# EDGAR Filing Document

**Accession Number:** 0002062117
**File Stem:** 0001999371-25-007551
**Filing Date:** 2025-6
**Character Count:** 3822102
**Document Hash:** 95478588bc009769ffe15fbeda3b28bb
**Contains OCR:** False
**Source Format:** 

## Filing Content

## Filing Summary
**0001999371-25-007551.hdr.sgml**: 20250610

**ACCESSION NUMBER**: 0001999371-25-007551

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

**PUBLIC DOCUMENT COUNT**: 50

**CONFORMED PERIOD OF REPORT**: 20250610

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

**FILED AS OF DATE**: 20250610

**DATE AS OF CHANGE**: 20250610

**ABS RULE**: RULE-15GA2

**REGISTERED ENTITY**: N

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

**FILER**: 

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** GCAT Depositor VI LLC
- **CENTRAL INDEX KEY:** 0002072245

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

**FILING VALUES:**
- **FORM TYPE:** ABS-15G
- **SEC ACT:** Dodd Frank Act
- **SEC FILE NUMBER:** 025-07780
- **FILM NUMBER:** 251037392

**BUSINESS ADDRESS:**
- **STREET 1:** 245 PARK AVENUE
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10167
- **BUSINESS PHONE:** 212-692-2000

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

**COMPANY DATA:**
- **COMPANY CONFORMED NAME:** GCAT Depositor V LLC
- **CENTRAL INDEX KEY:** 0002062117

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

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

**BUSINESS ADDRESS:**
- **STREET 1:** 245 PARK AVENUE, 26TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10167
- **BUSINESS PHONE:** 212-692-2126

**MAIL ADDRESS:**
- **STREET 1:** 245 PARK AVENUE, 26TH FLOOR
- **CITY:** NEW YORK
- **STATE:** NY
- **ZIP:** 10167

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

**<u>GCAT Depositor vi llc</u>**

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

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

Date of Report (Date of earliest event reported) __________________

Commission File Number of securitizer: __________________

Central Index Key Number of securitizer:__________________

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

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

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

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

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

Central Index Key Number of depositor: 0002072245

<u>GCAT 2025-NQM3 Trust </u> <br> (Exact name of issuing entity as specified in its charter)

Central Index Key Number of issuing entity (if applicable): ________________

Central Index Key Number of underwriter (if applicable): ________________

<u>Thomas Durkin, (212) 692-2000</u> <br> Name and telephone number, including area code, of the person to contact in connection with this filing

**PART I: REPRESENTATION AND WARRANTY INFORMATION**

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

Not Applicable

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

Not Applicable

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

Not Applicable

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

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

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

**EXHIBIT INDEX**

---

| | |
|:---|:---|
| [99.1](ex99-1.htm) | AMC Diligence, LLC ("AMC") Executive Summary |
| [99.2](ex99-2.htm) | AMC Rating Agency Grades |
| [99.3](ex99-3.htm) | AMC Exception Grades |
| [99.4](ex99-4.htm) | AMC Valuation Summary |
| [99.5](ex99-5.htm) | AMC Supplemental Data |
| [99.6](ex99-6.htm) | AMC Data Compare |
| [99.7](ex99-7.htm) | Clayton Services LLC ("Clayton") Narrative |
| [99.8](ex99-8.htm) | Clayton Conditions Report |
| [99.9](ex99-9.htm) | Clayton Loan Level Tape Compare |
| [99.10](ex99-10.htm) | Clayton Non ATR QM |
| [99.11](ex99-11.htm) | Clayton Rating Agency ATR QM |
| [99.12](ex99-12.htm) | Clayton Standard Upload |
| [99.13](ex99-13.htm) | Clayton Valuations Summary |
| [99.14](ex99-14.htm) | Clayton Waived Conditions |
| [99.15](ex99-15.htm) | Clarifii LLC ("Clarifii") Executive Summary |
| [99.16](ex99-16.htm) | Clarifii ATR OR QM Report |
| [99.17](ex99-17.htm) | Clarifii Data Compare Report |
| [99.18](ex99-18.htm) | Clarifii Rating Agency Grades Detail Report |
| [99.19](ex99-19.htm) | Clarifii Rating Agency Grades Summary Report |
| [99.20](ex99-20.htm) | Clarifii Valuation Report |
| [99.21](ex99-21.htm) | Clarifii Supplemental Data Extract |
| [99.22](ex99-22.htm) | Canopy Financial Technology Partners, LLC ("Canopy") Narrative |
| [99.23](ex99-23.htm) | Canopy RA Grades Detail Report |
| [99.24](ex99-24.htm) | Canopy RA Grades Summary Report |
| [99.25](ex99-25.htm) | Canopy Valuation Report |
| [99.26](ex99-26.htm) | Canopy ATR QM Report |
| [99.27](ex99-27.htm) | Canopy Data Compare |
| [99.28](ex99-28.htm) | Canopy Supplemental Data Extract |
| [99.29](ex99-29.htm) | Consolidated Analytics, Inc ("Consolidated") Narrative |
| [99.30](ex99-30.htm) | Consolidated Exception Standard Report |
| [99.31](ex99-31.htm) | Consolidated Valuations Summary Report |
| [99.32](ex99-32.htm) | Consolidated Grading Summary Report |
| [99.33](ex99-33.htm) | Consolidated Supplemental Report |
| [99.34](ex99-34.htm) | Consolidated Data Compare Report |
| [99.35](ex99-35.htm) | Covius Real Estate Services, LLC ("Covius") Due Diligence Narrative |
| [99.36](ex99-36.htm) | Covius ATR OR QM Report |
| [99.37](ex99-37.htm) | Covius Tape Compare |
| [99.38](ex99-38.htm) | Covius Exceptions Report |
| [99.39](ex99-39.htm) | Covius Grades Report |
| [99.40](ex99-40.htm) | Covius Valuation Report |

---

**SIGNATURES**

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

---

| | | |
|:---|:---|:---|
|  | **GCAT DEPOSITOR VI LLC** | **GCAT DEPOSITOR VI LLC** |
|  | (Depositor) | (Depositor) |
| Date: June 10, 2025 | By: | /s/ Thomas Durkin |
|  | Name: | Thomas Durkin |
|  | Title: | President (senior officer in charge of securitization) |

---

## Exhibit 99.1

[GCAT DEPOSITOR VI LLC ABS-15G](gcatnqm-abs15g.htm)

**Exhibit 99.1**

![](ex9901001.jpg)

**EXECUTIVE SUMMARY**

**DESCRIPTION OF SERVICES**

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

AMC Diligence, LLC ("AMC") performed the due diligence services described below (the "Review") on residential mortgage loans and business purpose loans originated by various parties who are sellers to Blue River Mortgage VI LLC or its affiliates (the "Client") through flow or mini-bulk transactions. The Review was conducted from November 2024 through May 2025 on mortgage loans with origination dates from October 2024 through May 2025 via files imaged and provided by the Client for review.

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

The total population of the Review covered 579 mortgage loans totaling an aggregate original principal balance of approximately $351.145 million.

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

The Review was conducted consistent with the criteria for the nationally recognized statistical rating organizations, NRSRO(s), identified above.

**(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;Contract Sales Price | &nbsp;&nbsp;Original HLTV |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;Original Interest Rate |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;Escrow Account | &nbsp;&nbsp;Original Loan Amount |
| &nbsp;&nbsp;Appraisal As-Is Value | &nbsp;&nbsp;First Interest Rate Change Date | &nbsp;&nbsp;Original LTV |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Original P&I |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;Guideline Name | &nbsp;&nbsp;Original Term |
| &nbsp;&nbsp;Blanket Mortgage? | &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;Origination Channel |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;Originator Loan Designation |
| &nbsp;&nbsp;Borrower EIN | &nbsp;&nbsp;Interest Rate Initial Cap | &nbsp;&nbsp;PITIA Reserves Months |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;Prepayment Penalty Period (months) |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;Product Description |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;Interest Rate Periodic Cap | &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;Last Property Transfer Date | &nbsp;&nbsp;Refi Purpose |
| &nbsp;&nbsp;Cash From Borrower | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Representative FICO |
| &nbsp;&nbsp;Cash To Borrower | &nbsp;&nbsp;Loan Property Count | &nbsp;&nbsp;State |
| &nbsp;&nbsp;City | &nbsp;&nbsp;Loan to Cost (LTC) | &nbsp;&nbsp;Street |
| &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;Subject Debt Service Coverage Ratio |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;Total Income |
| &nbsp;&nbsp;Coborrower FTHB | &nbsp;&nbsp;Neg Am | &nbsp;&nbsp;Universal Loan Identifier (ULI) |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Zip |
| &nbsp;&nbsp;Coborrower Qualifying FICO | &nbsp;&nbsp;Occupancy |  |
| &nbsp;&nbsp;Coborrower SSN | &nbsp;&nbsp;Original CLTV |  |

---

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

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![](ex9901001.jpg)

**<u>CREDIT SCOPE (327 Mortgage Loans):</u>**

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

**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, and (iii) gathered liabilities listed on the credit report to be included in the debt to income ratio as appropriate.

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

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

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

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

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

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

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![](ex9901001.jpg)

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

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

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

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

**<u>BUSINESS PURPOSE SCOPE (252 Loans)</u>**

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

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

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

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

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

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

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

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

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

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

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

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

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

3 \| P a g e

![](ex9901001.jpg)

■ 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.

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

---

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

---

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

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

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![](ex9901001.jpg)

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

**<u>COMPLIANCE SCOPE (327 Mortgage Loans)</u>**

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

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

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

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

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

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

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

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

iii) errors in the right of rescission notice;

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

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

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

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

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

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

ii) proper execution by all required parties;

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

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

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

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

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

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

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

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

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

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

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

ii) APR threshold test;

iii) prepayment penalty threshold test; and

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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*<u>Qualified Mortgage</u>*

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

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

---

---

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

---

---

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

---

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**(X) Recording Review**

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

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

**(XI) FIRREA Review**

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

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

**(XII) Document Review**

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Credit
 report;

&nbsp;&nbsp;&nbsp;&nbsp;■ Income
 and employment documentation;

&nbsp;&nbsp;&nbsp;&nbsp;■ 4506T;

&nbsp;&nbsp;&nbsp;&nbsp;■ Asset
 documentation;

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Appraisal;

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Final
 1003;

&nbsp;&nbsp;&nbsp;&nbsp;■ Changed
 circumstance documentation;

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Note;

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Subordination
 Agreement;

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

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

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

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

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

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

&nbsp;&nbsp;&nbsp;&nbsp;■ Final
 TIL;

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

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

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

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

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

**(9) Disclaimer.**

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

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

**SUMMARY OF FINDINGS 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.

**OVERALL REVIEW RESULTS SUMMARY**

After giving consideration to the grading criteria of the relevant NRSROs, the grading results are as follows:

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| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Kroll Loan Grades (# of Loans)** | &nbsp;&nbsp;**Kroll Loan Grades (# of Loans)** | &nbsp;&nbsp;**Kroll Loan Grades (# of Loans)** | &nbsp;&nbsp;**Kroll Loan Grades (# of Loans)** | &nbsp;&nbsp;**Kroll Loan Grades (# of Loans)** |
| &nbsp;&nbsp;**Final Loan** <br> **Grade** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;456 | &nbsp;&nbsp;301 | &nbsp;&nbsp;579 | &nbsp;&nbsp;437 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;123 | &nbsp;&nbsp;26 | &nbsp;&nbsp;0 | &nbsp;&nbsp;142 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**579** | &nbsp;&nbsp;**327** | &nbsp;&nbsp;**579** | &nbsp;&nbsp;**579** |
| &nbsp;&nbsp;**Kroll Loan Grades (% of Loans)** | &nbsp;&nbsp;**Kroll Loan Grades (% of Loans)** | &nbsp;&nbsp;**Kroll Loan Grades (% of Loans)** | &nbsp;&nbsp;**Kroll Loan Grades (% of Loans)** | &nbsp;&nbsp;**Kroll Loan Grades (% of Loans)** |
| &nbsp;&nbsp;**Final Loan** <br> **Grade** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;78.76% | &nbsp;&nbsp;92.05% | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;75.47% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;21.24% | &nbsp;&nbsp;7.95% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;24.53% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** |

---

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---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**S&P Loan Grades (# of Loans)** | &nbsp;&nbsp;**S&P Loan Grades (# of Loans)** | &nbsp;&nbsp;**S&P Loan Grades (# of Loans)** | &nbsp;&nbsp;**S&P Loan Grades (# of Loans)** | &nbsp;&nbsp;**S&P Loan Grades (# of Loans)** |
| &nbsp;&nbsp;**Final Loan** <br> **Grade** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;456 | &nbsp;&nbsp;303 | &nbsp;&nbsp;578 | &nbsp;&nbsp;438 |
| &nbsp;&nbsp;B | &nbsp;&nbsp;123 | &nbsp;&nbsp;24 | &nbsp;&nbsp;1 | &nbsp;&nbsp;141 |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**579** | &nbsp;&nbsp;**327** | &nbsp;&nbsp;**579** | &nbsp;&nbsp;**579** |
| &nbsp;&nbsp;**S&P Loan Grades (% of Loans)** | &nbsp;&nbsp;**S&P Loan Grades (% of Loans)** | &nbsp;&nbsp;**S&P Loan Grades (% of Loans)** | &nbsp;&nbsp;**S&P Loan Grades (% of Loans)** | &nbsp;&nbsp;**S&P Loan Grades (% of Loans)** |
| &nbsp;&nbsp;**Final Loan** <br> **Grade** | &nbsp;&nbsp;**Credit** | &nbsp;&nbsp;**Compliance** | &nbsp;&nbsp;**Property** | &nbsp;&nbsp;**Overall** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;78.76% | &nbsp;&nbsp;92.66% | &nbsp;&nbsp;99.83% | &nbsp;&nbsp;75.65% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;21.24% | &nbsp;&nbsp;7.34% | &nbsp;&nbsp;0.17% | &nbsp;&nbsp;24.35% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**100.00%** |

---

**EXCEPTION CATEGORY SUMMARY**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Exception <br> Type** | &nbsp;&nbsp;**Kroll Final <br> Exception<br> Rating** | &nbsp;&nbsp;**Exception Category** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID Defect | &nbsp;&nbsp;25 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Federal Defect | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***35*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;***35*** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;140 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;18 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***173*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;***173*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;Property - Appraisal | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Property Grade (B) Exceptions:*** | &nbsp;&nbsp;***0*** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**0** |

---

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;***208*** |

---

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---

| | | | |
|:---|:---|:---|:---|
| &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;TRID Defect | &nbsp;&nbsp;25 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ATR/QM Defect | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;State HPML | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;ECOA | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;TRID | &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;***33*** |
| &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;**Total Compliance Exceptions:** | &nbsp;&nbsp;***33*** |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Guideline | &nbsp;&nbsp;140 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Loan Package Documentation | &nbsp;&nbsp;18 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Credit | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Borrower and Mortgage Eligibility | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Title | &nbsp;&nbsp;4 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Asset | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;Missing Document | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Credit Grade (B) Exceptions:*** | &nbsp;&nbsp;***173*** |
| &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;**Total Credit Exceptions:** | &nbsp;&nbsp;***173*** |
| &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;***1*** |
| &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**Total Property Exceptions:** | &nbsp;&nbsp;**1** |
| &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;**Grand Total:** | &nbsp;&nbsp;***207*** |

---

**TAPE INTEGRITY REVIEW RESULTS SUMMARY**

Of the 579 mortgage loans reviewed, 459 mortgage loans had 2,886 different tape discrepancies across 56 data fields (some mortgage loans had more than one data delta). The largest variances were found on Amortization Term, Amortization Type, Lien Position, and Original Term.

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---

| | | | | |
|:---|:---|:---|:---|:---|
| &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;0 | &nbsp;&nbsp;252 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;292 | &nbsp;&nbsp;325 | &nbsp;&nbsp;89.85% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;Amortization Type | &nbsp;&nbsp;256 | &nbsp;&nbsp;367 | &nbsp;&nbsp;69.75% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;Appraisal As-Is Value | &nbsp;&nbsp;39 | &nbsp;&nbsp;43 | &nbsp;&nbsp;90.70% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;Appraisal Effective Date | &nbsp;&nbsp;39 | &nbsp;&nbsp;40 | &nbsp;&nbsp;97.50% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;9 | &nbsp;&nbsp;316 | &nbsp;&nbsp;2.85% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;Blanket Mortgage? | &nbsp;&nbsp;18 | &nbsp;&nbsp;20 | &nbsp;&nbsp;90.00% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;Borrower Citizenship | &nbsp;&nbsp;14 | &nbsp;&nbsp;40 | &nbsp;&nbsp;35.00% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;Borrower EIN | &nbsp;&nbsp;14 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;Borrower First Name | &nbsp;&nbsp;90 | &nbsp;&nbsp;294 | &nbsp;&nbsp;30.61% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;Borrower FTHB | &nbsp;&nbsp;21 | &nbsp;&nbsp;30 | &nbsp;&nbsp;70.00% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;Borrower Last Name | &nbsp;&nbsp;86 | &nbsp;&nbsp;294 | &nbsp;&nbsp;29.25% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;Borrower Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;25 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;Borrower SSN | &nbsp;&nbsp;31 | &nbsp;&nbsp;39 | &nbsp;&nbsp;79.49% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;Cash From Borrower | &nbsp;&nbsp;14 | &nbsp;&nbsp;14 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;Cash To Borrower | &nbsp;&nbsp;26 | &nbsp;&nbsp;26 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;City | &nbsp;&nbsp;5 | &nbsp;&nbsp;555 | &nbsp;&nbsp;0.90% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;Coborrower Citizenship | &nbsp;&nbsp;0 | &nbsp;&nbsp;10 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;Coborrower First Name | &nbsp;&nbsp;11 | &nbsp;&nbsp;56 | &nbsp;&nbsp;19.64% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;Coborrower FTHB | &nbsp;&nbsp;10 | &nbsp;&nbsp;10 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;Coborrower Last Name | &nbsp;&nbsp;19 | &nbsp;&nbsp;56 | &nbsp;&nbsp;33.93% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;Coborrower Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;14 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;Coborrower SSN | &nbsp;&nbsp;12 | &nbsp;&nbsp;12 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;Contract Sales Price | &nbsp;&nbsp;249 | &nbsp;&nbsp;412 | &nbsp;&nbsp;60.44% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;Doc Type | &nbsp;&nbsp;19 | &nbsp;&nbsp;20 | &nbsp;&nbsp;95.00% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;Escrow Account | &nbsp;&nbsp;3 | &nbsp;&nbsp;40 | &nbsp;&nbsp;7.50% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;First Interest Rate Change Date | &nbsp;&nbsp;7 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;41 | &nbsp;&nbsp;545 | &nbsp;&nbsp;7.52% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;Guideline Name | &nbsp;&nbsp;248 | &nbsp;&nbsp;254 | &nbsp;&nbsp;97.64% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;Interest Only | &nbsp;&nbsp;39 | &nbsp;&nbsp;40 | &nbsp;&nbsp;97.50% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;Interest Only Period | &nbsp;&nbsp;22 | &nbsp;&nbsp;31 | &nbsp;&nbsp;70.97% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;Interest Rate Initial Cap | &nbsp;&nbsp;5 | &nbsp;&nbsp;7 | &nbsp;&nbsp;71.43% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;Interest Rate Life Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;7 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;Interest Rate Life Floor | &nbsp;&nbsp;7 | &nbsp;&nbsp;7 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;Interest Rate Periodic Cap | &nbsp;&nbsp;6 | &nbsp;&nbsp;7 | &nbsp;&nbsp;85.71% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;Investor: Qualifying Total Debt Ratio | &nbsp;&nbsp;64 | &nbsp;&nbsp;333 | &nbsp;&nbsp;19.22% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;Last Property Transfer Date | &nbsp;&nbsp;26 | &nbsp;&nbsp;27 | &nbsp;&nbsp;96.30% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;255 | &nbsp;&nbsp;554 | &nbsp;&nbsp;46.03% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;Loan Property Count | &nbsp;&nbsp;12 | &nbsp;&nbsp;40 | &nbsp;&nbsp;30.00% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;Loan to Cost (LTC) | &nbsp;&nbsp;15 | &nbsp;&nbsp;15 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;LTV Valuation Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;145 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;41 | &nbsp;&nbsp;505 | &nbsp;&nbsp;8.12% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;Neg Am | &nbsp;&nbsp;39 | &nbsp;&nbsp;40 | &nbsp;&nbsp;97.50% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;45 | &nbsp;&nbsp;294 | &nbsp;&nbsp;15.31% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;531 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;Original CLTV | &nbsp;&nbsp;4 | &nbsp;&nbsp;566 | &nbsp;&nbsp;0.71% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;Original HLTV | &nbsp;&nbsp;39 | &nbsp;&nbsp;40 | &nbsp;&nbsp;97.50% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;Original Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;555 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;Original Loan Amount | &nbsp;&nbsp;6 | &nbsp;&nbsp;555 | &nbsp;&nbsp;1.08% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;Original LTV | &nbsp;&nbsp;4 | &nbsp;&nbsp;576 | &nbsp;&nbsp;0.69% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;40 | &nbsp;&nbsp;226 | &nbsp;&nbsp;17.70% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;Original Term | &nbsp;&nbsp;255 | &nbsp;&nbsp;555 | &nbsp;&nbsp;45.95% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;Origination Channel | &nbsp;&nbsp;3 | &nbsp;&nbsp;6 | &nbsp;&nbsp;50.00% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;Originator Loan Designation | &nbsp;&nbsp;3 | &nbsp;&nbsp;246 | &nbsp;&nbsp;1.22% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;PITIA Reserves Months | &nbsp;&nbsp;40 | &nbsp;&nbsp;40 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;Prepayment Penalty Period (months) | &nbsp;&nbsp;0 | &nbsp;&nbsp;16 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;Product Description | &nbsp;&nbsp;40 | &nbsp;&nbsp;40 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;92 | &nbsp;&nbsp;579 | &nbsp;&nbsp;15.89% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;574 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;Refi Purpose | &nbsp;&nbsp;2 | &nbsp;&nbsp;91 | &nbsp;&nbsp;2.20% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;Representative FICO | &nbsp;&nbsp;23 | &nbsp;&nbsp;554 | &nbsp;&nbsp;4.15% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;State | &nbsp;&nbsp;0 | &nbsp;&nbsp;555 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;Street | &nbsp;&nbsp;3 | &nbsp;&nbsp;294 | &nbsp;&nbsp;1.02% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;Subject Debt Service Coverage Ratio | &nbsp;&nbsp;112 | &nbsp;&nbsp;232 | &nbsp;&nbsp;48.28% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;Total Income | &nbsp;&nbsp;19 | &nbsp;&nbsp;20 | &nbsp;&nbsp;95.00% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;Universal Loan Identifier (ULI) | &nbsp;&nbsp;23 | &nbsp;&nbsp;24 | &nbsp;&nbsp;95.83% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;Zip | &nbsp;&nbsp;29 | &nbsp;&nbsp;579 | &nbsp;&nbsp;5.01% | &nbsp;&nbsp;579 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**2886** | &nbsp;&nbsp;**13636** | &nbsp;&nbsp;**21.16%** | &nbsp;&nbsp;**579** |

---

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![](ex9901001.jpg)

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

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan**<br> **Count** | &nbsp;&nbsp;**% of**<br> **Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of**<br> **Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;572 | &nbsp;&nbsp;98.79% | &nbsp;&nbsp;$341628272.00 | &nbsp;&nbsp;97.29% |
| &nbsp;&nbsp;Adjustable | &nbsp;&nbsp;7 | &nbsp;&nbsp;1.21% | &nbsp;&nbsp;$9517196.00 | &nbsp;&nbsp;2.71% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**579** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$351145468.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan**<br> **Count** | &nbsp;&nbsp;**% of**<br> **Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of**<br> **Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;579 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$351145468.00 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**579** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$351145468.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan**<br> **Count** | &nbsp;&nbsp;**% of**<br> **Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of**<br> **Balance** |
| &nbsp;&nbsp;Cash Out: Home Improvement/Renovation | &nbsp;&nbsp;1 | &nbsp;&nbsp;0.17% | &nbsp;&nbsp;$300000.00 | &nbsp;&nbsp;0.09% |
| &nbsp;&nbsp;Cash Out: Other/Multi-purpose/Unknown Purpose | &nbsp;&nbsp;201 | &nbsp;&nbsp;34.72% | &nbsp;&nbsp;$106038481.00 | &nbsp;&nbsp;30.20% |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;51 | &nbsp;&nbsp;8.81% | &nbsp;&nbsp;$26569070.00 | &nbsp;&nbsp;7.57% |
| &nbsp;&nbsp;Other-than-first-time Home Purchase | &nbsp;&nbsp;264 | &nbsp;&nbsp;45.60% | &nbsp;&nbsp;$169111194.00 | &nbsp;&nbsp;48.16% |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;62 | &nbsp;&nbsp;10.71% | &nbsp;&nbsp;$49126723.00 | &nbsp;&nbsp;13.99% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**579** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$351145468.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan**<br> **Count** | &nbsp;&nbsp;**% of**<br> **Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of**<br> **Balance** |
| &nbsp;&nbsp;121-180 Months | &nbsp;&nbsp;5 | &nbsp;&nbsp;0.86% | &nbsp;&nbsp;$2048000.00 | &nbsp;&nbsp;0.58% |
| &nbsp;&nbsp;241-360 Months | &nbsp;&nbsp;568 | &nbsp;&nbsp;98.10% | &nbsp;&nbsp;$338341218.00 | &nbsp;&nbsp;96.35% |
| &nbsp;&nbsp;361+ Months | &nbsp;&nbsp;6 | &nbsp;&nbsp;1.04% | &nbsp;&nbsp;$10756250.00 | &nbsp;&nbsp;3.06% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**579** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$351145468.00** | &nbsp;&nbsp;**100.00%** |

---

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![](ex9901001.jpg)

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Loan**<br> **Count** | &nbsp;&nbsp;**% of**<br> **Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of**<br> **Balance** |
| &nbsp;&nbsp;Single Family Detached | &nbsp;&nbsp;289 | &nbsp;&nbsp;49.91% | &nbsp;&nbsp;$179474356.00 | &nbsp;&nbsp;51.11% |
| &nbsp;&nbsp;Condo, Low Rise | &nbsp;&nbsp;53 | &nbsp;&nbsp;9.15% | &nbsp;&nbsp;$22350122.00 | &nbsp;&nbsp;6.36% |
| &nbsp;&nbsp;Condo, High Rise | &nbsp;&nbsp;8 | &nbsp;&nbsp;1.38% | &nbsp;&nbsp;$4457000.00 | &nbsp;&nbsp;1.27% |
| &nbsp;&nbsp;PUD | &nbsp;&nbsp;156 | &nbsp;&nbsp;26.94% | &nbsp;&nbsp;$108427541.00 | &nbsp;&nbsp;30.88% |
| &nbsp;&nbsp;1 Family Attached | &nbsp;&nbsp;8 | &nbsp;&nbsp;1.38% | &nbsp;&nbsp;$1798850.00 | &nbsp;&nbsp;0.51% |
| &nbsp;&nbsp;2 Family | &nbsp;&nbsp;42 | &nbsp;&nbsp;7.25% | &nbsp;&nbsp;$19046070.00 | &nbsp;&nbsp;5.42% |
| &nbsp;&nbsp;3 Family | &nbsp;&nbsp;15 | &nbsp;&nbsp;2.59% | &nbsp;&nbsp;$10507109.00 | &nbsp;&nbsp;2.99% |
| &nbsp;&nbsp;4 Family | &nbsp;&nbsp;8 | &nbsp;&nbsp;1.38% | &nbsp;&nbsp;$5084420.00 | &nbsp;&nbsp;1.45% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**579** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$351145468.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan**<br> **Count** | &nbsp;&nbsp;**% of**<br> **Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of**<br> **Balance** |
| &nbsp;&nbsp;Primary | &nbsp;&nbsp;267 | &nbsp;&nbsp;46.11% | &nbsp;&nbsp;$196807259.00 | &nbsp;&nbsp;56.05% |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;289 | &nbsp;&nbsp;49.91% | &nbsp;&nbsp;$142272529.00 | &nbsp;&nbsp;40.52% |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;23 | &nbsp;&nbsp;3.97% | &nbsp;&nbsp;$12065680.00 | &nbsp;&nbsp;3.44% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**579** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$351145468.00** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Review Type** | &nbsp;&nbsp;**Loan**<br> **Count** | &nbsp;&nbsp;**% of**<br> **Loans** | &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;**% of**<br> **Balance** |
| &nbsp;&nbsp;Full Credit/Compliance | &nbsp;&nbsp;327 | &nbsp;&nbsp;56.48% | &nbsp;&nbsp;$243750539.00 | &nbsp;&nbsp;69.42% |
| &nbsp;&nbsp;Leases | &nbsp;&nbsp;252 | &nbsp;&nbsp;43.52% | &nbsp;&nbsp;$107394929.00 | &nbsp;&nbsp;30.58% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**579** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$351145468.00** | &nbsp;&nbsp;**100.00%** |

---

17 \| P a g e

## Exhibit 99.2

[GCAT DEPOSITOR VI LLC ABS-15G](gcatnqm-abs15g.htm)

**Exhibit 99.2**

**Rating Agency Grades**

---

| | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **LOAN INFORMATION** | **INITIAL CREDIT LOAN GRADES** | **INITIAL COMPLIANCE LOAN GRADES** | **INITIAL PROPERTY LOAN GRADES** | **INITIAL OVERALL LOAN GRADES** | **FINAL CREDIT LOAN GRADES** | **FINAL COMPLIANCE LOAN GRADES** | **FINAL PROPERTY LOAN GRADES** | **FINAL OVERALL LOAN GRADES** |
| **AMC Loan ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Deal Number** | **Original Loan Amount** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** | **Morningstar** |
|  | 20250501 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250502 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250503 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250504 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250572 |  |  |  | C | A | A | C | B | A | A | B |  |
|  | 20250573 |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 20250575 |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 20250576 |  |  |  | C | C | D | D | A | A | A | A |  |
|  | 20250577 |  |  |  | C | C | A | C | B | A | A | B |  |
|  | 20250578 |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 20250580 |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 20250582 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250583 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250584 |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 20250585 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250586 |  |  |  | C | A | A | C | B | A | A | B |  |
|  | 20250588 |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 20250589 |  |  |  | C | A | A | C | B | A | A | B |  |
|  | 20250590 |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 20250591 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250592 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250593 |  |  |  | C | C | A | C | A | B | A | B |  |
|  | 20250594 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250595 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250596 |  |  |  | A | C | A | C | A | B | A | B |  |
|  | 20250597 |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 20250598 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250599 |  |  |  | D | C | A | D | A | A | A | A |  |
|  | 20250600 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250601 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250602 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250603 |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 20250604 |  |  |  | B | A | D | D | A | A | A | A |  |
|  | 20250605 |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 20250606 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250607 |  |  |  | B | A | A | B | B | A | A | B |  |
|  | 20250608 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250609 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250610 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250611 |  |  |  | C D |  | A | C D | A |  | A | A |  |
|  | 20250612 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250618 |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 20250621 |  |  |  | B | C | A | C | B | A | A | B |  |
|  | 20250622 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250623 |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 20250624 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250626 |  |  |  | C | A | A | C | B | A | A | B |  |
|  | 20250632 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250634 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250637 |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 20250642 |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 20250643 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250644 |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 20250645 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250646 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250647 |  |  |  | C | A | A | C | B | A | A | B |  |
|  | 20250649 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250650 |  |  |  | C | C | A | C | B | B | A | B |  |
|  | 20250652 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250654 |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 20250660 |  |  |  | B | A | A | B | A | A | A | A |  |
|  | 20250668 |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 20250671 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250674 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250675 |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 20250676 |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 20250677 |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 20250680 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250681 |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 20250682 |  |  |  | C | C | A | C | A | B | A | B |  |
|  | 20250683 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250685 |  |  |  | D |  | A | D | A |  | A | A |  |
|  | 20250688 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250689 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250691 |  |  |  | A | B | A | B | A | A | A | A |  |
|  | 20250693 |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 20250700 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250702 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250706 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250708 |  |  |  | B | A | A | B | B | A | A | B |  |
|  | 20250710 |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 20250718 |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 20250719 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250720 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250721 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250722 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250723 |  |  |  | D |  | A | D | A |  | A | A |  |
|  | 20250724 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250725 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250726 |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 20250727 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250728 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250729 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250730 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250731 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250732 |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 20250733 |  |  |  | A | C | A | C | B | A | A | B |  |
|  | 20250734 |  |  |  | B | C | A | C | B | A | A | B |  |
|  | 20250735 |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 20250736 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250737 |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 20250738 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250739 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250740 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250741 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250742 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250743 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250744 |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 20250745 |  |  |  | B | A | A | B | B | A | A | B |  |
|  | 20250746 |  |  |  | A | A | C | C | A | A | A | A |  |
|  | 20250747 |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 20250748 |  |  |  | A | A | A | A | B | A | A | B |  |
|  | 20250749 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250750 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250751 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250752 |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 20250753 |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 20250754 |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 20250755 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250756 |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 20250757 |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 20250758 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250759 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250760 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250761 |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 20250762 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250763 |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 20250764 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250765 |  |  |  | B | A | A | B | B | A | A | B |  |
|  | 20250766 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250767 |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 20250768 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250769 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250770 |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 20250771 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250772 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250773 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250774 |  |  |  | C | A | A | C | B | A | A | B |  |
|  | 20250775 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250776 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250777 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250778 |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 20250779 |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 20250780 |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 20250781 |  |  |  | C | D | A | D | A | A | A | A |  |
|  | 20250782 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250783 |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 20250784 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250785 |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 20250786 |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 20250787 |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 20250788 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250789 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250790 |  |  |  | A |  | C | C | A |  | A | A |  |
|  | 20250791 |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 20250792 |  |  |  | C | A | D | D | A | A | A | A |  |
|  | 20250793 |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 20250794 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250795 |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 20250796 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250797 |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 20250798 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250799 |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 20250800 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250801 |  |  |  | A |  | A | A | B |  | A | B |  |
|  | 20250802 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250803 |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 20250804 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250805 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250806 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250807 |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 20250808 |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 20250809 |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 20250810 |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 20250811 |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 20250812 |  |  |  | C | A | A | C | B | A | A | B |  |
|  | 20250813 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250814 |  |  |  | C | C | A | C | B | B | A | B |  |
|  | 20250815 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250816 |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 20250817 |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 20250818 |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 20250819 |  |  |  | C | A | A | C | B | A | A | B |  |
|  | 20250820 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250821 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250822 |  |  |  | A | C | A | C | A | B | A | B |  |
|  | 20250823 |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 20250824 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250825 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250826 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250827 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250828 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250829 |  |  |  | B | A | A | B | A | A | A | A |  |
|  | 20250830 |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 20250831 |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 20250832 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250833 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250834 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250835 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250836 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250837 |  |  |  | B | A | A | B | B | A | A | B |  |
|  | 20250838 |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 20250839 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250840 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250841 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250842 |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 20250843 |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 20250844 |  |  |  | B | A | A | B | B | A | A | B |  |
|  | 20250845 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250846 |  |  |  | A | C | A | C | A | B | A | B |  |
|  | 20250956 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250957 |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 20250958 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250959 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250960 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250961 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250962 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250963 |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 20250964 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250965 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250966 |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 20250967 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250968 |  |  |  | C | C | D | D | A | A | A | A |  |
|  | 20250969 |  |  |  | C | A | A | C | B | A | A | B |  |
|  | 20250970 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250971 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250972 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250973 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250974 |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 20250975 |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 20250976 |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 20250977 |  |  |  | C | C | A | C | A | B | A | B |  |
|  | 20250978 |  |  |  | C | B | A | C | A | B | A | B |  |
|  | 20250979 |  |  |  | B | B | A | B | B | B | A | B |  |
|  | 20250980 |  |  |  | B | C | A | C | B | A | A | B |  |
|  | 20250981 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250982 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250983 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250984 |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 20250985 |  |  |  | A | B | A | B | A | B | A | B |  |
|  | 20250986 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250987 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250988 |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 20250989 |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 20250990 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250991 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250992 |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 20250993 |  |  |  | C | A | A | C | B | A | A | B |  |
|  | 20250994 |  |  |  | B | C | A | C | B | A | A | B |  |
|  | 20250995 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250996 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250997 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20250998 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20250999 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251000 |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 20251001 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251002 |  |  |  | B | A | A | B | B | A | A | B |  |
|  | 20251003 |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 20251004 |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 20251005 |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 20251006 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251007 |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 20251008 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251009 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251010 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251011 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251012 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251013 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251014 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251015 |  |  |  | B | A | A | B | B | A | A | B |  |
|  | 20251016 |  |  |  | A |  | D | D | A |  | A | A |  |
|  | 20251017 |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 20251018 |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 20251019 |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 20251020 |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 20251021 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251022 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251023 |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 20251024 |  |  |  | B | A | A | B | B | A | A | B |  |
|  | 20251025 |  |  |  | C |  | D | D | A |  | A | A |  |
|  | 20251026 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251027 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251028 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251029 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251030 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251031 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251032 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251033 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251034 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251035 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251036 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251037 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251038 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251039 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251040 |  |  |  | C |  | D | D | A |  | A | A |  |
|  | 20251041 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251042 |  |  |  | A | C | C | C | A | B | A | B |  |
|  | 20251043 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251044 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251045 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251046 |  |  |  | B | C | A | C | B | B | A | B |  |
|  | 20251047 |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 20251048 |  |  |  | A | A | D | D | A | A | A | A |  |
|  | 20251049 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251050 |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 20251051 |  |  |  | B | A | A | B | A | A | A | A |  |
|  | 20251052 |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 20251053 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251054 |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 20251055 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251056 |  |  |  | B | A | A | B | B | A | A | B |  |
|  | 20251057 |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 20251058 |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 20251059 |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 20251060 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251061 |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 20251062 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251063 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251064 |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 20251065 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251066 |  |  |  | C D | A | A | C D | A | A | A | A |  |
|  | 20251067 |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 20251068 |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 20251069 |  |  |  | C |  | D | D | B |  | A | B |  |
|  | 20251070 |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 20251071 |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 20251072 |  |  |  | D |  | D | D | B |  | A | B |  |
|  | 20251073 |  |  |  | D |  | D | D | B |  | A | B |  |
|  | 20251074 |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 20251075 |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 20251076 |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 20251077 |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 20251078 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251079 |  |  |  | C | C | A | C | B | B | A | B |  |
|  | 20251080 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251081 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251082 |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 20251083 |  |  |  | A | C | A | C | A | B | A | B |  |
|  | 20251084 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251085 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251086 |  |  |  | C | C | A | C | B | A | A | B |  |
|  | 20251087 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251088 |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 20251089 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251090 |  |  |  | B | A | A | B | B | A | A | B |  |
|  | 20251091 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251092 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251093 |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 20251094 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251095 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251096 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251097 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251098 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251099 |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 20251100 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251101 |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 20251102 |  |  |  | B | A | A | B | A | A | A | A |  |
|  | 20251103 |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 20251104 |  |  |  | B | A | A | B | B | A | A | B |  |
|  | 20251105 |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 20251225 |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 20251226 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251227 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251228 |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 20251229 |  |  |  | B | A | A | B | B | A | A | B |  |
|  | 20251230 |  |  |  | B | C | A | C | A | A | A | A |  |
|  | 20251231 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251232 |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 20251233 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251234 |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 20251235 |  |  |  | C | A | A | C | B | A | A | B |  |
|  | 20251236 |  |  |  | C | A | A | C | B | A | A | B |  |
|  | 20251237 |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 20251238 |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 20251239 |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 20251240 |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 20251241 |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 20251242 |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 20251243 |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 20251244 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251245 |  |  |  | C | A | A | C | B | A | A | B |  |
|  | 20251246 |  |  |  | B | A | A | B | B | A | A | B |  |
|  | 20251247 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251248 |  |  |  | C |  | D | D | A |  | A | A |  |
|  | 20251249 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251250 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251251 |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 20251252 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251253 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251254 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251255 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251256 |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 20251257 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251258 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251259 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251260 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251261 |  |  |  | B |  | A | B | A |  | A | A |  |
|  | 20251262 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251263 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251264 |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 20251265 |  |  |  | C | A | A | C | A | A | A | A |  |
|  | 20251266 |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 20251267 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251268 |  |  |  | C D | C | A | C D | A | A | A | A |  |
|  | 20251269 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251270 |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 20251271 |  |  |  | A | C | A | C | A | B | A | B |  |
|  | 20251272 |  |  |  | A | C | A | C | A | B | A | B |  |
|  | 20251273 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251274 |  |  |  | B | A | A | B | B | A | A | B |  |
|  | 20251275 |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 20251276 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251277 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251278 |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 20251279 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251280 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251281 |  |  |  | C |  | A | C | A |  | A | A |  |
|  | 20251282 |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 20251283 |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 20251284 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251285 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251286 |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 20251287 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251288 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251289 |  |  |  | C |  | A | C | B |  | A | B |  |
|  | 20251290 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251291 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251292 |  |  |  | A | C | A | C | A | A | A | A |  |
|  | 20251293 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251294 |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 20251295 |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 20251296 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251297 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251298 |  |  |  | C | C | A | C | A | B | A | B |  |
|  | 20251299 |  |  |  | C | C | A | C | A | B | A | B |  |
|  | 20251300 |  |  |  | C | C | A | C | A | A | A | A |  |
|  | 20251301 |  |  |  | A |  | A | A | A |  | A | A |  |
|  | 20251302 |  |  |  | C | C | A | C | B | A | A | B |  |
|  | 20251303 |  |  |  | A | A | A | A | A | A | A | A |  |
|  | 20251304 |  |  |  | B |  | A | B | B |  | A | B |  |
|  | 20251305 |  |  |  | A | A | D | D | A | A | A | A |  |
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---

## Exhibit 99.3

[GCAT DEPOSITOR VI LLC ABS-15G](gcatnqm-abs15g.htm)

**Exhibit 99.3**

**Exception Grades**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **SitusAMC Loan ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Loan Exception ID** | **Exception Date** | **Exception Type** | **Exception Category** | **Exception Subcategory** | **15E Category** | **Exception** | **Exception Detail** | **Exception Information** | **Compensating Factors** | **Compensating Factor Information** | **Applying Party** | **Follow-up Comments** | **Cleared Date** | **Cured Date** | **Waived Date** | **Exception Level Grade** | **Note Date** | **Property State** | **Occupancy** | **Purpose** | **Exception Remediation** | **Originator QM ATR Status** | **TPR QM ATR Status** | **Is Curable** |
|  | 20250572 |  |  | 33294602 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  |  |  | Reviewer Comment (2025-02-28): Condo questionnaire associated & exception cleared.<br>Buyer Comment (2025-02-26): Questionnaire supporting warrantability was included in the initial shipping package and is located in your portal under doc ID [Redacted]. | 02/28/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
|  | 20250572 |  |  | 33294603 |  | 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: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [Redacted] | SitusAMC | Reviewer Comment (2025-02-27): Client elects to waive with inspection prior to end date.<br>Reviewer Comment (2025-02-27): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Most Recent Valuation Inspection Date: [Redacted] <br> Disaster End Date: [Redacted]<br> Disaster Name: WILDFIRES AND STRAIGHT-LINE WINDS<br> Disaster Declaration Date: [Redacted]<br>Buyer Comment (2025-02-26): CDAIR was included in the initial shipping package and is located in your portal under doc ID [Redacted]. |  |  | 02/27/2025 | 2 C B |  | CA | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
|  | 20250572 |  |  | 33294604 |  | Credit | Asset | Asset Documentation | Asset | Asset documentation requirements not met. |  | [Redacted] months required reserves not provided in file. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Property inspected post disaster but pre-FEMA declaration of disaster end date. | Same industry for more than [Redacted] years.<br>Guidelines Representative FICO: [Redacted]<br> Representative FICO: [Redacted]<br>Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [Redacted] | Aggregator,SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-02-28): Client elects to waive with comp factors to allow use of [Redacted]months.<br>Reviewer Comment (2025-02-28): Please provide additional fund to meet the requirement. Exception remains.<br>Buyer Comment (2025-02-27): Submitted updated [Redacted]acknowledging [Redacted] months reserves with Comp Factors for review. |  |  | 02/28/2025 | 2 C B |  | CA | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
|  | 20250572 |  |  | 33294605 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | [Redacted] months required reserves not provided in file. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Property inspected post disaster but pre-FEMA declaration of disaster end date. | Same industry for more than [Redacted] years.<br>Guidelines Representative FICO: [Redacted]<br> Representative FICO: [Redacted]<br>Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [Redacted] | Aggregator,SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-02-28): Client elects to waive with comp factors to allow use of [Redacted] months.<br>Reviewer Comment (2025-02-28): EXCEPTION HISTORY - Exception Explanation was updated on[Redacted] PRIOR Exception Explanation: Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted].<br>Reviewer Comment (2025-02-28): Please provide additional fund to meet the requirement. Exception remains.<br>Buyer Comment (2025-02-27): Submitted updated [Redacted] acknowledging [Redacted]months reserves with Comp Factors for review. |  |  | 02/28/2025 | 2 C B |  | CA | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
|  | 20250572 |  |  | 33294606 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for non-owner occupied cash out transaction for [Redacted] . | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Same industry for more than [Redacted] years.<br>Guidelines Representative FICO: [Redacted]<br> Representative FICO: [Redacted] | Aggregator,SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-02-26): Lender approved exception in file with comp factors. |  |  | 02/26/2025 | 2 B |  | CA | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
|  | 20250572 |  |  | 33294607 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing CD and/or other documentation to confirm payment on the noted property which was being refinanced at the same time. |  |  |  | Reviewer Comment (2025-02-27): Closing disclosure received for refinance on other property, Exception Cleared.<br>Buyer Comment (2025-02-26): Submitted Final CD from CEL [Redacted] for review. | 02/27/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
|  | 20250572 |  |  | 33294608 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Missing CD and/or other documentation to confirm payment on the noted property which was being refinanced at the same time. |  |  |  | Reviewer Comment (2025-02-27): Closing disclosure received for refinance on other property, Exception Cleared.<br>Buyer Comment (2025-02-26): Submitted Final CD from CEL [Redacted] for review. | 02/27/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C B A | N/A | N/A | No |
|  | 20250573 |  |  | 33294494 |  | Credit | Business Purpose | General | Business Purpose | Missing Document: Spousal Consent not provided. |  | Borrower's marital status is married, but Spousal Consent form is missing and is required by statute. |  |  |  | Reviewer Comment (2025-03-04): Vested in the name of LLC. Spousal consent is not required. Exception cleared.<br>Buyer Comment (2025-03-03): Spousal consent is not required, as the loan closed in the name of a business entity with borrower as sole member, and the subject property is not considered homestead. | 03/04/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
|  | 20250575 |  |  | 33294484 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | The loan file does not contain the loan approval for the loan amount of [Redacted] per the Note in file. |  |  |  | Reviewer Comment (2025-02-28): Provided Approval and [Redacted] summary with corrected loan amount of [Redacted]. Exception cleared.<br>Buyer Comment (2025-02-27): Updated Approval and [Redacted]uploaded for review. | 02/28/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Rate/Term | C A |  | N/A | No |
|  | 20250576 |  |  | 33294621 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-03-11): Exception Cleared, received Final Title Policy. | 03/11/2025 |  |  | 1 A |  | CA | Primary | Refinance - Rate/Term | D A C | Non QM | Non QM | No |
|  | 20250576 |  |  | 33294622 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Coverage amount not provided on preliminary title. |  |  |  | Reviewer Comment (2025-03-11): Exception Cleared, received Final Title Policy.<br>Buyer Comment (2025-03-07): Submitted updated Title for review. | 03/11/2025 |  |  | 1 B A |  | CA | Primary | Refinance - Rate/Term | D A C | Non QM | Non QM | No |
|  | 20250576 |  |  | 33294623 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | File is missing the secondary valuation required for securitization. |  |  |  | Reviewer Comment (2025-02-28): Desk review updated and associated. Exception cleared<br>Buyer Comment (2025-02-26): Secondary Valuation was included in the initial shipping package and is located in your portal under doc ID [Redacted]. | 02/28/2025 |  |  | 1 D A |  | CA | Primary | Refinance - Rate/Term | D A C | Non QM | Non QM | No |
|  | 20250576 |  |  | 33294626 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | File is missing an [Redacted] or other documentation for the " [Redacted] " from [Redacted] . The deposit is described as " [Redacted] " on the [Redacted] . |  |  |  | Reviewer Comment (2025-03-07): [Redacted] for Elevance pension income used to qualify is located in the file. Per client, [Redacted] Business is not wage income used to qualify.<br>Reviewer Comment (2025-03-07): Final [Redacted] shows borrower is earning through [Redacted] sources of income, excluding income from [Redacted] Business Payroll will exceed the DTI above threshold limit to[Redacted], please provide other source of income to consider or provide proof of [Redacted] Payroll. Exception Remains.<br>Buyer Comment (2025-03-06): Payroll entry appearing on joint asset stmts were not used to qualify. The sole borrower is [Redacted] whose qualifying retirement income has been sufficiently documented. Kindly escalate.<br>Reviewer Comment (2025-02-27): Bank Statements[Redacted] and [Redacted]are reflecting deposit from "[Redacted] ". Please provide relevant document to validate the income owner. Exception remains.<br>Buyer Comment (2025-02-26): Correction...borrower does not derive income from [Redacted] Business.<br>Buyer Comment (2025-02-26): Borrower does derive income from [Redacted] Business. The asset stmts are jointly held with a non-applicant who appears to be related to these entries. <br> Borrower as a retiree has documented grossed up Social Security of [Redacted] under doc ID [Redacted], Notes Receivable of[Redacted] under doc IDs [Redacted], [Redacted], [Redacted], and [Redacted], EDI payments of [Redacted] from [Redacted] under doc IDs [Redacted]and [Redacted], Gross Pension Benefit of [Redacted] from [Redacted] Pipe Trades under doc ID [Redacted], [Redacted] Elevance Health Pension of [Redacted]under doc IDs [Redacted], [Redacted], and [Redacted], and subject's [Redacted]rental of [Redacted] under doc ID [Redacted]. | 03/07/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | D A C | Non QM | Non QM | No |
|  | 20250576 |  |  | 33294627 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | File is missing an [Redacted] or other documentation for the " [Redacted] " from [Redacted] . The deposit is described as " [Redacted] " on the [Redacted] . |  |  |  | Reviewer Comment (2025-03-07): [Redacted] for Elevance pension income used to qualify is located in the file.<br>Reviewer Comment (2025-03-07): Final [Redacted] shows borrower is earning through[Redacted] sources of income, excluding income from [Redacted] Business Payroll will exceed the DTI above threshold limit to [Redacted] , please provide other source of income to consider or provide proof of Barret Payroll. Exception Remains.<br>Buyer Comment (2025-03-06): Payroll entry appearing on joint asset stmts were not used to qualify. The sole borrower is [Redacted] whose qualifying retirement income has been sufficiently documented. Kindly escalate.<br>Reviewer Comment (2025-02-27): Bank Statements [Redacted] and [Redacted] are reflecting deposit from "[Redacted] ". Please provide relevant document to validate the income owner. Exception remains.<br>Buyer Comment (2025-02-26): Correction...borrower does not derive income from [Redacted] .<br>Buyer Comment (2025-02-26): Borrower does derive income from [Redacted] Business. The asset stmts are jointly held with a non-applicant who appears to be related to these entries. <br> Borrower as a retiree has documented grossed up Social Security of [Redacted] under doc ID [Redacted], Notes Receivable of [Redacted]0 under doc IDs [Redacted], [Redacted], [Redacted], and [Redacted], EDI payments of [Redacted] from [Redacted] under doc IDs [Redacted] and [Redacted] , Gross Pension Benefit of [Redacted] from[Redacted] [Redacted] under doc ID [Redacted] , [Redacted] Elevance Health Pension of [Redacted] under doc IDs [Redacted] , [Redacted] , and [Redacted] , and subject's [Redacted] rental of [Redacted] under doc ID [Redacted] . | 03/07/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | D A C | Non QM | Non QM | No |
|  | 20250576 |  |  | 33294628 |  | 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. | Waterfall finding due to the missing pension documentation, resulting in a loan designation discrepancy. |  |  |  | Reviewer Comment (2025-03-07): [Redacted] for Elevance pension income used to qualify is located in the file. Per client, Barrett Business is not wage income used to qualify.<br>Reviewer Comment (2025-03-07): Final 1003 shows borrower is earning through [Redacted] sources of income, excluding income from Barrett [Redacted] Payroll will exceed the DTI above threshold limit to [Redacted]%, please provide other source of income to consider or provide proof of Barret Payroll. Exception Remains.<br>Buyer Comment (2025-03-06): Payroll entry appearing on joint asset stmts were not used to qualify. The sole borrower is [Redacted] whose qualifying retirement income has been sufficiently documented. Kindly escalate.<br>Reviewer Comment (2025-02-27): Bank Statements [Redacted]and [Redacted] are reflecting deposit from "[Redacted] Business Payroll". Please provide relevant document to validate the income owner. Exception remains.<br>Buyer Comment (2025-02-26): Correction...borrower does not derive income from [Redacted] Business.<br>Buyer Comment (2025-02-26): Borrower does derive income from [Redacted] Business. The asset stmts are jointly held with a non-applicant who appears to be related to these entries. <br> Borrower as a retiree has documented grossed up Social Security of $[Redacted]under doc ID [Redacted], Notes Receivable of $[Redacted]under doc IDs [Redacted], [Redacted], [Redacted], and [Redacted], EDI payments of $[Redacted]from [Redacted] under doc IDs [Redacted]and [Redacted], Gross Pension Benefit of $[Redacted]from [Redacted] a [Redacted] under doc ID [Redacted], [Redacted][Redacted]Health Pension of $[Redacted]under doc IDs [Redacted], [Redacted], and [Redacted], and subject's ADU rental of $[Redacted]under doc ID [Redacted]. | 03/07/2025 |  |  | 1 B A C |  | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | No |
|  | 20250576 |  |  | 33294629 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Waterfall finding due to the missing [Redacted] documentation. |  |  |  | Reviewer Comment (2025-03-07): [Redacted] for Elevance pension income used to qualify is located in the file. Per client, Barrett Business is not wage income used to qualify.<br>Reviewer Comment (2025-03-07): Final [Redacted] shows borrower is earning through 5 sources of income, excluding income from [Redacted] Business Payroll will exceed the DTI above threshold limit to 53%, please provide other source of income to consider or provide proof of Barret Payroll. Exception Remains.<br>Buyer Comment (2025-03-06): Payroll entry appearing on joint asset stmts were not used to qualify. The sole borrower is [Redacted] whose qualifying retirement income has been sufficiently documented. Kindly escalate.<br>Reviewer Comment (2025-02-27): Bank Statements [Redacted] and [Redacted] are reflecting deposit from "[Redacted] Business Payroll". Please provide relevant document to validate the income owner. Exception remains.<br>Buyer Comment (2025-02-26): Correction...borrower does not derive income from [Redacted] Business.<br>Buyer Comment (2025-02-26): Borrower does derive income from Barrett Business. The asset stmts are jointly held with a non-applicant who appears to be related to these entries. <br> Borrower as a retiree has documented grossed up Social Security of[Redacted] under doc ID [Redacted] , Notes Receivable of [Redacted] under doc IDs [Redacted] , [Redacted] , [Redacted] , and [Redacted] , EDI payments of[Redacted] from [Redacted] [Redacted] under doc IDs [Redacted] and [Redacted] , Gross Pension Benefit of [Redacted] from [Redacted] [Redacted] under doc ID [Redacted] , [Redacted] [Redacted] Pension of [Redacted] under doc IDs [Redacted] , [Redacted] , and [Redacted] , and subject's [Redacted] rental of [Redacted] under doc ID [Redacted] . | 03/07/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | D A C | Non QM | Non QM | No |
|  | 20250576 |  |  | 33294630 |  | 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. | Waterfall finding due to the missing [Redacted] documentation. |  |  |  | Reviewer Comment (2025-03-07): [Redacted] for Elevance pension income used to qualify is located in the file. Per client, [Redacted] Business is not wage income used to qualify.<br>Reviewer Comment (2025-03-07): Final [Redacted]shows borrower is earning through [Redacted] sources of income, excluding income from [Redacted] Business Payroll will exceed the DTI above threshold limit to [Redacted] please provide other source of income to consider or provide proof of [Redacted] Payroll. Exception Remains.<br>Buyer Comment (2025-03-06): Payroll entry appearing on joint asset stmts were not used to qualify. The sole borrower is [Redacted]whose qualifying retirement income has been sufficiently documented. Kindly escalate.<br>Reviewer Comment (2025-02-27): Bank Statements [Redacted] and [Redacted] are reflecting deposit from " [Redacted]Business Payroll". Please provide relevant document to validate the income owner. Exception remains.<br>Buyer Comment (2025-02-26): Correction...borrower does not derive income from [Redacted] Business.<br>Buyer Comment (2025-02-26): Borrower does derive income from [Redacted] Business. The asset stmts are jointly held with a non-applicant who appears to be related to these entries. <br> Borrower as a retiree has documented grossed up Social Security of[Redacted] under doc ID [Redacted] , Notes Receivable of [Redacted] under doc IDs [Redacted] , [Redacted] , [Redacted] , and [Redacted] , EDI payments of [Redacted] from [Redacted] under doc IDs [Redacted] and [Redacted] , Gross Pension Benefit of [Redacted] from[Redacted] [Redacted] under doc ID [Redacted] , [Redacted] [Redacted] Pension of [Redacted] under doc IDs [Redacted] , [Redacted] , and [Redacted] , and subject's [Redacted] rental of [Redacted] under doc ID [Redacted] . | 03/07/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | D A C | Non QM | Non QM | No |
|  | 20250577 |  |  | 33294631 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception Requested and approved to Allow [Redacted] seller's credit for Closing on [Redacted] LTV. Currently only allow [Redacted] seller's credit for LTV at [Redacted] . | Borrower has verified disposable income of at least $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. | DTI: [Redacted]% <br> Guideline Maximum DTI: [Redacted]% | SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-03-07): Client elects to waive with comp factors.<br>Buyer Comment (2025-03-03): The approved credit exception was provided in the initial shipping package under Doc ID [Redacted], please advise as why this is back to the seller. |  |  | 03/07/2025 | 2 C B |  | UT | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20250577 |  |  | 33294632 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is missing. |  |  |  | Reviewer Comment (2025-03-04): Disclosure Tracking Details document received. - Exception Cleared<br>Buyer Comment (2025-03-03): Tracking for initial disclosures denoting a [Redacted] fulfillment date (mailing date) uploaded for review. Disclosure tracking summary denotes all other disclosures were in person. | 03/04/2025 |  |  | 1 C A |  | UT | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20250577 |  |  | 33294636 |  | Compliance | Compliance | Federal Compliance | ECOA | ECOA Appraisal - Copy of Appraisal Not Provided 3 Business Days Prior to Consummation | ECOA Valuations Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three ([Redacted]) business days prior to consummation. | File is missing evidence final appraisal dated [Redacted] was delivered to borrower [Redacted] business days prior to closing. |  |  |  | Reviewer Comment (2025-03-06): Appraisal delivery confirmation document received, Exception cleared.<br>Buyer Comment (2025-03-05): Proof of delivery of the revised appraisal report dated [Redacted] uploaded for review. The presumed receipt date would be [Redacted], the loan closed [Redacted] the [Redacted] business day HPML/ECOA requirements were met. | 03/06/2025 |  |  | 1 B A |  | UT | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20250577 |  |  | 33294637 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | HPML Non Compliant due to missing evidence final appraisal dated [Redacted] was delivered to borrower [Redacted] business days prior to closing. |  |  |  | Reviewer Comment (2025-03-06): Appraisal delivery confirmation document received, Exception cleared.<br>Buyer Comment (2025-03-05): Proof of delivery of the revised appraisal report dated [Redacted] uploaded to trailing docs for review. The presumed receipt date would be [Redacted], the loan closed [Redacted], the [Redacted] business day HPML/ECOA requirements were met. | 03/06/2025 |  |  | 1 C A |  | UT | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20250577 |  |  | 33294638 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three ([Redacted]) business days prior to consummation. | HPML Non Compliant due to missing evidence final appraisal dated [Redacted] was delivered to borrower [Redacted] business days prior to closing. |  |  |  | Reviewer Comment (2025-03-06): Appraisal delivery confirmation document received, Exception cleared.<br>Buyer Comment (2025-03-05): The appraisal was sent on [Redacted], the presumed receipt date would be [Redacted] based on the mailbox rule, the loan closed on [Redacted], the [Redacted] business day HPML requirement was met.<br>Reviewer Comment (2025-03-05): Exception remains. Still require proof of receipt of appraisal dated [Redacted], by borrower [Redacted] business days prior to closing.<br>Buyer Comment (2025-03-05): Proof of delivery of the revised appraisal report dated [Redacted] uploaded to trailing docs for review. The presumed receipt date would be [Redacted], the loan closed [Redacted], the [Redacted]business day HPML/ECOA requirements were met. | 03/06/2025 |  |  | 1 C A |  | UT | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20250577 |  |  | 33294639 |  | Credit | Credit | Credit Documentation | Guideline | The Verification of Rent (VOR) / Verification of Mortgage (VOM) is required and was not found in file. |  | 1003 reflects borrower is renting departure residence. [Redacted] months rental history is missing and is required by guidelines. |  |  |  | Reviewer Comment (2025-03-05): [Redacted] months bank statement verifying rent already in the file , exception cleared.<br>Buyer Comment (2025-03-03): The [Redacted] reflects borrowers living at [Redacted], the lease agreement was provided in the initial shipping package Doc ID [Redacted]and payment to the landlord [Redacted] is reflected on the [Redacted] [Redacted] statements. | 03/05/2025 |  |  | 1 C A |  | UT | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20250578 |  |  | 33294488 |  | Credit | Credit | Credit Documentation | Credit | OFAC was not checked and required per guidelines. |  | OFAC for the Guarantor was not checked and required per guidelines. |  |  |  | Reviewer Comment (2025-02-28): Received FraudGuard report which has clear OFAC search for guarantor. Exception cleared.<br>Buyer Comment (2025-02-27): FraudGuard report uploaded to trailing docs for review. | 02/28/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 20250578 |  |  | 33294489 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Maximum Loan Amount discrepancy. | Note loan amount of ___ is greater than Guideline maximum loan amount of ___. | Lender approved exception to allow [Redacted] loan amount at [Redacted] and [Redacted] . Max loan amount [Redacted] for cash out. Compensating Factors: Borrower is an experienced investor, [Redacted] , Reserves [Redacted] minimum, and [Redacted] as real estate investor. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Guidelines Representative FICO: [Redacted]<br> Representative FICO: [Redacted] | Aggregator,SitusAMC | Reviewer Comment (2025-02-27): Client elects to waive with comp factors. |  |  | 02/27/2025 | 2 B |  | CA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 20250578 |  |  | 33294490 |  | Credit | Credit | Credit Documentation | Credit | Background check is missing. |  | Background check for the Guarantor not provided. |  |  |  | Reviewer Comment (2025-02-28): Received FraudGuard report. Exception cleared.<br>Buyer Comment (2025-02-27): FraudGuard report uploaded to trailing docs for review. | 02/28/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 20250578 |  |  | 33294491 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report not provided. |  |  |  | Reviewer Comment (2025-02-28): Received FraudGuard report. Exception cleared.<br>Buyer Comment (2025-02-27): FraudGuard report uploaded for review. | 02/28/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 20250578 |  |  | 33294492 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  | Fraud Report not provided. |  |  |  | Reviewer Comment (2025-02-28): Received FraudGuard report. Exception cleared.<br>Buyer Comment (2025-02-27): FraudGuard report uploaded to trailing docs for review. | 02/28/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 20250579 |  |  | 33418980 |  | Credit | Business Purpose | General | Business Purpose | Legal does not match deed. |  | Security Instrument reflects the Borrower as [Redacted]. The Title Commitment is Vested in [Redacted]. |  |  |  | Reviewer Comment (2025-03-19): Title and warranty deed match...The Deed was executed at the time of closing which is a match to the Security Instrument.<br>Reviewer Comment (2025-03-19): Unable to clear. The Security Instrument provided reflects [Redacted]as the borrower instead of [Redacted]. Please provide final title reflecting[Redacted].<br>Buyer Comment (2025-03-14): Referenced Legal Description is what is currently on record per Title under doc ID [Redacted]. Warranty Deed completed at closing from [Redacted]to [Redacted] contains the same legal description verbiage under doc ID [Redacted]. | 03/19/2025 |  |  | 1 C A |  | GA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 20250579 |  |  | 33418983 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | The Certificate of Good Standing from the state of Texas for the borrowing entity is not located in the file. |  |  |  | Reviewer Comment (2025-03-17): Initial package had certificate of good standing document. Exception cleared.<br>Buyer Comment (2025-03-14): TX SOS documentation was submitted with the initial shipping package and is located in your portal under doc IDs [Redacted], [Redacted], and [Redacted]. | 03/17/2025 |  |  | 1 C A |  | GA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 20250580 |  |  | 33294679 |  | 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. | Loan closed under Prime Connect Flex program using DU. DU reflects monthly income of [Redacted] and DTI of [Redacted] , but 1008 reflects income of [Redacted] and DTI of [Redacted] , causing an ATR failure. |  |  |  | Reviewer Comment (2025-02-26): Received updated AUS report. Exception cleared.<br>Buyer Comment (2025-02-25): Updated AUS uploaded to trailing docs for review. | 02/26/2025 |  |  | 1 B A C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | No |
|  | 20250580 |  |  | 33294683 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank2014): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Loan closed under Prime Connect Flex program using DU. DU reflects monthly income of $[Redacted]and DTI of [Redacted]%, but 1008 reflects income of $[Redacted]and DTI of [Redacted]%, causing an ATR failure. |  |  |  | Reviewer Comment (2025-02-26): Received updated AUS report. Exception cleared.<br>Buyer Comment (2025-02-25): Updated AUS uploaded to trailing docs for review. | 02/26/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20250580 |  |  | 33294684 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | AUS Findings: Investor qualifying total debt ratio discrepancy. |  | Loan closed under Prime Connect Flex program using DU. DU reflects monthly income of [Redacted] and DTI of [Redacted] , but 1008 reflects income of [Redacted] and DTI of [Redacted] . |  |  |  | Reviewer Comment (2025-02-26): Received updated AUS report. Exception cleared.<br>Buyer Comment (2025-02-25): Updated AUS uploaded for review. | 02/26/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20250580 |  |  | 33294685 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds/Deposit not provided |  | Missing evidence of the transfer of funds for [Redacted] gift funds. |  |  |  | Reviewer Comment (2025-03-04): Gift is only [Redacted], exception cleared.<br>Buyer Comment (2025-03-03): Updated [Redacted]uploaded for review.<br>Reviewer Comment (2025-03-03): As per [Redacted] and purchase contract gift fund is [Redacted] hence updated [Redacted]required to verify gift fund [Redacted]. Exception remains<br>Buyer Comment (2025-02-28): The gift is not in the amount of [Redacted] rather is in the amount of [Redacted] the updated gift letter was provided under Doc ID [Redacted]. The receipt of funds and wire confirmation has been uploaded again for review.<br>Reviewer Comment (2025-02-28): Source of Funds/Deposit document is missing in file for gift fund as [Redacted]. Exception Remains.<br>Buyer Comment (2025-02-27): Updated gift letter in the amount of [Redacted] uploaded for review. | 03/04/2025 |  |  | 1 A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20250581 |  |  | 33523419 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  | Reviewer Comment (2025-03-12): HOA Questionnaire available, rate lock reflects warrantable condo [Redacted], exception cleared.<br>Buyer Comment (2025-03-10): Warrantability is supported by the Lender Questionnaire located in your portal under [Redacted]. | 03/12/2025 |  |  | 1 C A |  | UT | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20250581 |  |  | 33523421 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Verification(s) of employment of University of [Redacted] and[Redacted]. is not within [Redacted] business days of the Note. |  |  |  | Reviewer Comment (2025-03-31): Exception cleared - Verification of employment of [Redacted] and [Redacted] received and updated [Redacted] as required.<br>Buyer Comment (2025-03-31): Submitted corrected VVOEs with Processor's Cert for review. | 03/31/2025 |  |  | 1 C A |  | UT | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20250581 |  |  | 33523422 |  | 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. | Verification(s) of employment of[Redacted] and [Redacted]. is not within [Redacted] business days of the Note. |  |  |  | Reviewer Comment (2025-03-31): Exception cleared - Verification of employment of [Redacted] and [Redacted] received and updated [Redacted] as required.<br>Buyer Comment (2025-03-31): Submitted corrected VVOEs with Processor's Cert for review. | 03/31/2025 |  |  | 1 B A C |  | UT | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | No |
|  | 20250581 |  |  | 33523424 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Verification(s) of employment of [Redacted]l and[Redacted]. is not within [Redacted] business days of the Note. |  |  |  | Reviewer Comment (2025-03-31): Exception cleared - Verification of employment of [Redacted] and [Redacted] received and updated [Redacted] as required.<br>Buyer Comment (2025-03-31): Submitted corrected VVOEs with Processor's Cert for review. | 03/31/2025 |  |  | 1 C A |  | UT | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20250581 |  |  | 33523425 |  | 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. | Verification(s) of employment of [Redacted] and [Redacted]. is not within [Redacted] business days of the Note. |  |  |  | Reviewer Comment (2025-03-31): Exception cleared - Verification of employment of [Redacted]l and [Redacted] received and updated [Redacted] as required.<br>Buyer Comment (2025-03-31): Submitted corrected VVOEs with Processor's Cert for review. | 03/31/2025 |  |  | 1 C A |  | UT | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20250581 |  |  | 33523426 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  | HO-6 Insurance Policy not provided. |  |  |  | Reviewer Comment (2025-03-10): Exception cleared - As per initial Escrow account disclosure, final Closing Disclosure and Final 1003 loan do not have hazard insurance.<br>Buyer Comment (2025-03-10): Master policy in your portal under doc ID [Redacted] reflects walls in coverage being included. | 03/10/2025 |  |  | 1 C A |  | UT | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20250581 |  |  | 33523427 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | Verification(s) of employment of [Redacted] and [Redacted]. is not within [Redacted] business days of the Note. |  |  |  | Reviewer Comment (2025-03-31): Exception cleared - Verification of employment of [Redacted] and [Redacted] received and updated [Redacted] as required.<br>Buyer Comment (2025-03-31): Submitted corrected VVOEs with Processor's Cert for review. | 03/31/2025 |  |  | 1 C A |  | UT | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20250584 |  |  | 33294712 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy effective date is after the funds disbursed. |  | Provided hazard insurance document effective date is after note date or disbursement date. Provide valid hazard insurance document. |  |  |  | Reviewer Comment (2025-03-03): Insurance policy Effective date is same as disbursement date. Exception cleared<br>Buyer Comment (2025-03-03): Submitted PCCD with correct disbursement date for review. | 03/03/2025 |  |  | 1 C A |  | CA | Second Home | Purchase | C A | Non QM | Non QM | No |
|  | 20250584 |  |  | 33294713 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  | Reviewer Comment (2025-03-03): Project review is not required for detached condos.<br>Buyer Comment (2025-02-28): Subject is a detached condo which is automatically warrantable because it shares no walls with other units, thus meeting the key requirement set by [Redacted]and [Redacted]for a condo to be considered eligible for a conventional mortgage. | 03/03/2025 |  |  | 1 C A |  | CA | Second Home | Purchase | C A | Non QM | Non QM | No |
|  | 20250586 |  |  | 33294729 |  | 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: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [Redacted] | SitusAMC | Reviewer Comment (2025-02-27): Client elects to waive with inspection prior to end date.<br>Buyer Comment (2025-02-26): A CDAIR is not required, the appraisal reports submitted Doc ID [Redacted]and [Redacted]denote the properties were inspected on [Redacted] and [Redacted], respectively. CEL requires only that inspections are performed after the incident period in this case both were after the [Redacted] incident date. |  |  | 02/27/2025 | 2 C B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20250586 |  |  | 33294732 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Appraisal re-inspection fee amount of [Redacted] exceeds tolerance of [Redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-02-25): Sufficient Cure Provided At Closing |  | 02/25/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | No |
|  | 20250588 |  |  | 33294497 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | HUD/CD is missing in loan file |  |  |  | Reviewer Comment (2025-03-03): Final Closing statement received, exception cleared.<br>Buyer Comment (2025-02-28): Submitted Final Signed ALTA Settlement Stmt for review. | 03/03/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
|  | 20250588 |  |  | 33294498 |  | Credit | Investment Product | General | Investment Product | REO property does not have a lease in place and required by guidelines. |  | Lease agreement is missing in loan file |  |  |  | Reviewer Comment (2025-03-03): Purchase transaction, property is vacant, lease agreement not required, exception cleared.<br>Buyer Comment (2025-02-28): Subject is a purchase transaction. The home is currently vacant and would not require a lease be in place at the time of closing. | 03/03/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
|  | 20250588 |  |  | 33294500 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Instructions not provided |  |  |  |  |  | Reviewer Comment (2025-03-03): Closing Instruction document already in the file, exception cleared.<br>Buyer Comment (2025-02-28): Escrow Instructions were included in the initial shipping package and are located in your portal under doc ID [Redacted]. | 03/03/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
|  | 20250589 |  |  | 33294734 |  | Credit | Income | Document Error | Income | Bank statement page number is blank. |  | [Redacted]Bank statement(s) account number ending [Redacted] for months ending [Redacted] - [Redacted] and bank statement(s) account number ending [Redacted] for months ending [Redacted] - [Redacted] not provided. |  |  |  | Reviewer Comment (2025-03-03): [Redacted] business [Redacted]months statement not available since it started from [Redacted]. [Redacted] months requirement met from business [Redacted] [Redacted], Borrower changed A/C from [Redacted] to [Redacted] Borrower transitioned to [Redacted] from [Redacted] Combining accounts from all three acounts [Redacted] months requirement met - [Redacted] to [Redacted]. All missing bank statement received, exception cleared.<br>Buyer Comment (2025-02-27): Submitted Chase [Redacted] [Redacted] to [Redacted] and [Redacted] [Redacted] [Redacted] to [Redacted]for review. | 03/03/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
|  | 20250589 |  |  | 33294735 |  | Credit | Income | Income Error | Income | The total of Statement Period Months entered is less than the Qualifying Method entered of Most Recent 12 months. |  | [Redacted]Bank statement(s) account number ending [Redacted] for months ending [Redacted] - [Redacted] and bank statement(s) account number ending [Redacted] for months ending [Redacted] - [Redacted] not provided. |  |  |  | Reviewer Comment (2025-03-03): [Redacted] business [Redacted] months statement not available since it started from [Redacted]. [Redacted] months requirement met from business [Redacted] [Redacted], Borrower changed A/C from [Redacted] to [Redacted]. Borrower transitioned to [Redacted] from [Redacted] Combining accounts from all three acounts [Redacted]months requirement met - [Redacted] to [Redacted]. All missing bank statement received, exception cleared.<br>Buyer Comment (2025-02-28): Submitted BOA [Redacted] [Redacted]and [Redacted] for review.<br>Reviewer Comment (2025-02-28): Account Statements received and associated. Still required Account Statements for account ending [Redacted] for [Redacted] and [Redacted]. Exception remains.<br>Buyer Comment (2025-02-27): Submitted [Redacted] [Redacted] [Redacted] to [Redacted], and [Redacted] [Redacted] [Redacted]to [Redacted] to [Redacted]for review. | 03/03/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
|  | 20250589 |  |  | 33294736 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | [Redacted]Bank statement(s) account number ending [Redacted] for months ending [Redacted] - [Redacted] and bank statement(s) account number ending [Redacted] for months ending [Redacted] - [Redacted] not provided. |  |  |  | Reviewer Comment (2025-03-03): [Redacted] business [Redacted]months statement not available since it started from [Redacted]. [Redacted]months requirement met from business [Redacted], Borrower changed A/C from [Redacted] to [Redacted] Borrower transitioned to [Redacted]c from [Redacted]. Combining accounts from all three acounts [Redacted]months requirement met - [Redacted] to [Redacted]. All missing bank statement received, exception cleared.<br>Buyer Comment (2025-02-28): Submitted BOA [Redacted] [Redacted] and [Redacted] for review.<br>Reviewer Comment (2025-02-28): Account Statements received and associated. Still required Account Statements for account ending [Redacted] for [Redacted] and [Redacted]. Exception remains.<br>Buyer Comment (2025-02-27): Submitted [Redacted] [Redacted] [Redacted] to[Redacted], and BOA [Redacted[Redacted] to[Redacted] to [Redacted] for review. | 03/03/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
|  | 20250589 |  |  | 33294737 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary Title Policy is within CA and does not reflect a coverage amount (no Final Title Policy in file). Unable to determine if appropriate coverage is provided |  |  |  | Reviewer Comment (2025-02-28): Title Supplemental Report document received, and policy amount updated. Exception Cleared.<br>Buyer Comment (2025-02-28): Submitted Title Supplement for review. | 02/28/2025 |  |  | 1 B A |  | CA | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
|  | 20250589 |  |  | 33294739 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | [Redacted]Bank statement(s) account number ending [Redacted] for months ending [Redacted] - [Redacted] and bank statement(s) account number ending [Redacted] for months ending [Redacted] - [Redacted] not provided. |  |  |  | Reviewer Comment (2025-03-03): [Redacted] business [Redacted]months statement not available since it started from [Redacted]. [Redacted]<br> months requirement met from business[Redacted] , Borrower changed A/C from [Redacted] to[Redacted] . Borrower transitioned to[Redacted] from [Redacted] Combining accounts from all three acounts [Redacted] months requirement met - [Redacted] to[Redacted] . All missing bank statement received, exception cleared.<br>Buyer Comment (2025-02-28): Submitted BOA [Redacted] [Redacted] and [Redacted]for review.<br>Reviewer Comment (2025-02-28): Account Statements received and associated. Still required Account Statements for account ending [Redacted] for [Redacted] and[Redacted] Exception remains.<br>Buyer Comment (2025-02-27): Submitted [Redacted] [Redacted][Redacted] to [Redacted], and BOA [Redacted] [Redacted] to [Redacted] to [Redacted]for review. | 03/03/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
|  | 20250589 |  |  | 33294740 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | [Redacted]Bank statement(s) account number ending [Redacted]for months ending [Redacted] - [Redacted] and bank statement(s) account number ending [Redacted]for months ending [Redacted] - [Redacted] not provided. |  |  |  | Reviewer Comment (2025-03-03): [Redacted] business [Redacted]months statement not available since it started from [Redacted]. [Redacted] months requirement met from business [Redacted], Borrower changed A/C from #[Redacted]to #[Redacted]. Borrower transitioned to [Redacted] from [Redacted]. Combining accounts from all three acounts [Redacted]months requirement met [Redacted]. All missing bank statement received, exception cleared.<br>Buyer Comment (2025-02-28): Submitted BOA [Redacted] [Redacted]and [Redacted] for review.<br>Reviewer Comment (2025-02-28): Account Statements received and associated. Still required Account Statements for account ending [Redacted] for [Redacted] and [Redacted]. Exception remains.<br>Buyer Comment (2025-02-27): Submitted [Redacted] [Redacted] [Redacted] to [Redacted], and BOA [Redacted] [Redacted] to [Redacted] to [Redacted]for review. | 03/03/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
|  | 20250589 |  |  | 33294741 |  | Credit | Income | Income Error | Income | The Total Bank Statement Period months provided is less than the required # of Bank Statements required. |  | [Redacted]Bank statement(s) account number ending [Redacted]for months ending [Redacted] - [Redacted] and bank statement(s) account number ending [Redacted]for months ending [Redacted] - [Redacted] not provided. |  |  |  | Reviewer Comment (2025-03-03): [Redacted] business [Redacted]months statement not available since it started from [Redacted]. [Redacted]months requirement met from business [Redacted], Borrower changed A/C from [Redacted] to [Redacted] Borrower transitioned to [Redacted] from [Redacted]. Combining accounts from all three acounts [Redacted]months requirement met - [Redacted] to [Redacted]. All missing bank statement received, exception cleared.<br>Buyer Comment (2025-02-28): Submitted [Redacted] [Redacted] [Redacted]and [Redacted] for review.<br>Reviewer Comment (2025-02-28): Account Statements received and associated. Still required Account Statements for account ending [Redacted]for [Redacted]]and [Redacted]d]. Exception remains.<br>Buyer Comment (2025-02-27): Submitted Chase #[Redacted][Redacted] to[Redacted] and BOA [Redacted] to [Redacted]for review. | 03/03/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
|  | 20250589 |  |  | 33294742 |  | Credit | Income | Income Error | Income | The Total Bank Statement Period months provided is less than the required # of Bank Statements required. |  | [Redacted]Bank statement(s) account number ending [Redacted]for months ending [Redacted] - [Redacted] and bank statement(s) account number ending [Redacted]for months ending [Redacted] - [Redacted] not provided. |  |  |  | Reviewer Comment (2025-03-03): [Redacted] business [Redacted] months statement not available since it started from [Redacted]. [Redacted] months requirement met from business [Redacted], Borrower changed A/C from [Redacted] to [Redacted]. Borrower transitioned to [Redacted] from [Redacted]. Combining accounts from all three acounts [Redacted] months requirement met - [Redacted] to [Redacted]. All missing bank statement received, exception cleared.<br>Buyer Comment (2025-02-28): Submitted [Redacted] [Redacted] [Redacted]and [Redacted] for review.<br>Reviewer Comment (2025-02-28): Account Statements received and associated. Still required Account Statements for account ending [Redacted] for [Redacted] and [Redacted]. Exception remains.<br>Buyer Comment (2025-02-27): Submitted [Redacted] [Redacted] [Redacted] to [Redacted], and [Redacted] [Redacted] [Redacted] to [Redacted] to [Redacted] for review. | 03/03/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
|  | 20250589 |  |  | 33294743 |  | Credit | Income | Income Error | Income | The Total Bank Statement Period months provided is less than the required # of Bank Statements required. |  | [Redacted]Bank statement(s) account number ending [Redacted] for months ending [Redacted] - [Redacted]and bank statement(s) account number ending [Redacted]for months ending [Redacted] - [Redacted] not provided. |  |  |  | Reviewer Comment (2025-03-03): [Redacted] business [Redacted] months statement not available since it started from [Redacted]. [Redacted] months requirement met from business [Redacted], Borrower changed A/C from [Redacted] to [Redacted]. Borrower transitioned to [Redacted] from [Redacted]. Combining accounts from all three acounts [Redacted] months requirement met - [Redacted]to [Redacted]. All missing bank statement received, exception cleared.<br>Buyer Comment (2025-02-28): Submitted [Redacted] [Redacted] [Redacted] and [Redacted] for review.<br>Reviewer Comment (2025-02-28): Account Statements received and associated. Still required Account Statements for account ending [Redacted] for [Redacted] and [Redacted]. Exception remains.<br>Buyer Comment (2025-02-27): Submitted [Redacted] [Redacted] [Redacted] to [Redacted], and BOA [Redacted] [Redacted] to [Redacted]to [Redacted] for review. | 03/03/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
|  | 20250589 |  |  | 33294744 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception for 2 ADU units when guidelines only allow 1 ADU. Compensating Factors: Reduction in housing payment by [Redacted], FICO [Redacted],[Redacted] as real estate investor, [Redacted]+, and Multiple paid as agreed mortgages[Redacted]. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. | Guidelines Representative FICO: [Redacted]<br> Representative FICO: [Redacted] | SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-02-27): Client elects to waive with compensating factors. |  |  | 02/27/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
|  | 20250589 |  |  | 33294745 |  | Credit | System | General | Appraisal Reconciliation | Valuation address does not match Note address. |  | Valuation city of [Redacted] does not match Note city of [Redacted]([Redacted]) address. |  |  |  | Reviewer Comment (2025-03-04): Cleared. Appraisal legal description and APN match security instrument, tax cert and preliminary title.<br>Buyer Comment (2025-02-27): [Redacted] is a suburb of greater [Redacted] The Note city matches the Exhibit A legal description with additional designation as [Redacted]. The appraisal city corresponds with the [Redacted]search under doc ID [Redacted]. Both are one-in-the-same and acceptable as is. Kindly escalate. | 03/04/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
|  | 20250589 |  |  | 33294746 |  | Credit | System | General | System | Flood Certificate Subject Address does not match Note address. |  | Flood Certification city of [Redacted] does not match Note city of [Redacted]([Redacted]) address. |  |  |  | Reviewer Comment (2025-03-04): Cleared. Flood Cert address matches [Redacted]confirmation.<br>Buyer Comment (2025-02-27): [Redacted] is a suburb of greater [Redacted]. The Note city matches the Exhibit A legal description with additional designation as [Redacted]. The Flood city corresponds with the [Redacted]search under doc ID [Redacted]. Both are one-in-the-same and acceptable as is. Kindly escalate. | 03/04/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
|  | 20250589 |  |  | 33294747 |  | Credit | Insurance | Insurance Analysis | Insurance | Insurance address does not match Note address. |  | Valuation city of [Redacted] does not match Note city of [Redacted]([Redacted]) address. |  |  |  | Reviewer Comment (2025-02-28): As per [Redacted]search both the cities - [Redacted] and [Redacted] are same. Exception cleared.<br>Buyer Comment (2025-02-27): [Redacted] is a suburb of greater [Redacted] The Note city matches the Exhibit A legal description with additional designation as [Redacted] . The HOI city corresponds with the [Redacted] search under doc ID [Redacted]. Both are one-in-the-same and acceptable as is. Kindly escalate. | 02/28/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
|  | 20250589 |  |  | 33294748 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | [Redacted]Bank statement(s) account number ending [Redacted]for months ending [Redacted] - [Redacted] and bank statement(s) account number ending [Redacted]for months ending [Redacted] - [Redacted] not provided. |  |  |  | Reviewer Comment (2025-03-03): [Redacted] business [Redacted]months statement not available since it started from [Redacted] [Redacted]months requirement met from business [Redacted], Borrower changed A/C from # [Redacted]to # [Redacted]. Borrower transitioned to [Redacted] from [Redacted]. Combining accounts from all three acounts [Redacted]months requirement met - [Redacted]to [Redacted]. All missing bank statement received, exception cleared.<br>Buyer Comment (2025-02-28): Submitted [Redacted][Redacted] [Redacted]and [Redacted] for review.<br>Reviewer Comment (2025-02-28): Account Statements received and associated. Still required Account Statements for account ending [Redacted] for [Redacted] and [Redacted]. Exception remains.<br>Buyer Comment (2025-02-27): Submitted [Redacted] [Redacted] [Redacted] to [Redacted], and [Redacted] [Redacted] [Redacted] to [Redacted] to [Redacted] for review. | 03/03/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C B A | N/A | N/A | No |
|  | 20250590 |  |  | 33294750 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  |  |  | Reviewer Comment (2025-03-06): Lender review provided and documents reflect condo in non-warrantable.<br>Buyer Comment (2025-03-03): The file was submitted with the 1008 Doc ID [Redacted]which states "LTV [Redacted]% (maxed - NWC) & Ineligibility "NWC Condo", both of which are denoting Non-Warrantable Condo. Additionally per section [Redacted]Non-Warrantable Condo guidelines, the file was submitted with the questionnaire under Doc ID's [Redacted], [Redacted], [Redacted], [Redacted], all CEL requirements have been met per guidelines. | 03/06/2025 |  |  | 1 C A |  | AZ | Investment | Purchase | C A | N/A | N/A | No |
|  | 20250599 |  |  | 33294761 |  | Credit | Credit | Credit Documentation | Credit | Credit Report Error: Credit report is missing FICO scores. |  | Missing Credit report for [Redacted] |  |  |  | Reviewer Comment (2025-02-24): Joint credit report received prior to note date, Exception Cleared.<br>Buyer Comment (2025-02-20): Joint credit report uploaded for review. | 02/24/2025 |  |  | 1 C A |  | TN | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 20250599 |  |  | 33294762 |  | Credit | Credit | Credit Documentation | Missing Document | Missing Document: Credit Report not provided |  | Missing Credit Report for Co-borrower. |  |  |  | Reviewer Comment (2025-02-24): Joint credit report received prior to note date, Exception Cleared.<br>Buyer Comment (2025-02-20): Joint credit report uploaded to trailing docs for review. | 02/24/2025 |  |  | 1 D A |  | TN | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 20250599 |  |  | 33294763 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - K-1 Less [Redacted]% | Ability-to-Repay (Dodd-Frank 2014): Unable to verify current K-1 (Less than [Redacted]% Ownership) status using reasonably reliable third-party records. | Missing audited YTD P&L. |  |  |  | Reviewer Comment (2025-02-21): Income documentation meets guideline requirements.<br>Buyer Comment (2025-02-21): Please advise on escalation as this finding is back to seller. Thank you.<br>Reviewer Comment (2025-02-20): Exception has been escalated for compliance review.<br>Buyer Comment (2025-02-18): This is an Express Document documentation type. Per section [Redacted] FULL DOCUMENTATION (2 YEARS)/EXPRESS DOC (1 YEAR) "The following are considered under Full Doc/Express Doc One or two years W2, 1040s, 1120s, 1065s; P&L can be included for income average w/supporting documentation such as Business Bank Statements and consistent history of earnings verified by previous business tax returns within [Redacted]% tolerance. P&L must be borrower signed and dated. K1 only income allowed when combining with other income (i.e. W2 or bank statements). K1 must be less than [Redacted]%.", the guidelines do not require a P&L they state "can be included", additionally, the K1 income must be less than [Redacted]%, per the documentation in file for this entity the K1 income is [Redacted]%. Moreover the verification of this employment was provided in the initial shipping package under Doc ID [Redacted]pages [Redacted]- [Redacted]. | 02/21/2025 |  |  | 1 C A |  | TN | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 20250599 |  |  | 33294764 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Income and Assets - K-1 Less [Redacted]% | Ability to Repay (Dodd-Frank [Redacted]): Unable to verify K-1 (Less than [Redacted]% Ownership) income using reasonably reliable third-party records. | The K-1's provided reflects less than [Redacted] ownership |  |  |  | Reviewer Comment (2025-02-21): Income documentation meets guideline requirements.<br>Buyer Comment (2025-02-21): Please advise on escalation as this finding is back to seller. Thank you.<br>Reviewer Comment (2025-02-20): Exception has been escalated for compliance review.<br>Buyer Comment (2025-02-18): This is an Express Document documentation type. Per section [Redacted]FULL DOCUMENTATION (2 YEARS)/EXPRESS DOC (1 YEAR) "The following are considered under Full Doc/Express Doc One or two years W2, 1040s, 1120s, 1065s; P&L can be included for income average w/supporting documentation such as Business Bank Statements and consistent history of earnings verified by previous business tax returns within [Redacted]% tolerance. P&L must be borrower signed and dated. K1 only income allowed when combining with other income (i.e. W2 or bank statements). K1 must be less than [Redacted]%.", the guidelines do not require a P&L they state "can be included", additionally, the K1 income must be less than [Redacted]%, per the documentation in file for this entity the K1 income is [Redacted]%. Moreover the verification of this employment was provided in the initial shipping package under Doc ID [Redacted]pages [Redacted]- [Redacted]. | 02/21/2025 |  |  | 1 C A |  | TN | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 20250599 |  |  | 33294766 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR | Ability to Repay (Dodd-Frank [Redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Fail. | Loan designation failure due to ATR failure. This exception will be cleared once all ATR specific exceptions have been [Redacted]/[Redacted]. |  |  |  | Reviewer Comment (2025-02-21): Non-QM (third party income and employment status verified pre-consummation met lender guidelines).<br>Buyer Comment (2025-02-21): Please advise on escalation as this finding is back to seller. Thank you.<br>Reviewer Comment (2025-02-20): Exception has been escalated for compliance review.<br>Buyer Comment (2025-02-18): This is an Express Document documentation type. Per section [Redacted]FULL DOCUMENTATION (2 YEARS)/EXPRESS DOC (1 YEAR) "The following are considered under Full Doc/Express Doc One or two years W2, 1040s, 1120s, 1065s; P&L can be included for income average w/supporting documentation such as Business Bank Statements and consistent history of earnings verified by previous business tax returns within [Redacted]% tolerance. P&L must be borrower signed and dated. K1 only income allowed when combining with other income (i.e. W2 or bank statements). K1 must be less than [Redacted]%.", the guidelines do not require a P&L they state "can be included", additionally, the K1 income must be less than [Redacted]%, per the documentation in file for this entity the K1 income is [Redacted]%. Moreover the verification of this employment was provided in the initial shipping package under Doc ID [Redacted]pages [Redacted]- [Redacted]. | 02/21/2025 |  |  | 1 B A C |  | TN | Primary | Purchase | Lender to provide updated ATR/QM status D C | Non QM | Non QM | No |
|  | 20250599 |  |  | 33294768 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on[Redacted] not received by borrower at least four ([Redacted]) business days prior to closing. | Loan Estimate dated[Redacted] does not reflect a signature and the document tracking disclosure was not located. [Redacted]day mail method for delivery and receipt was used and loan is failing for timing of this TRID. Document tracker is required to ensure timing and clear timing fail. |  |  |  | Reviewer Comment (2025-02-20): Received revised disclosure tracking.<br>Buyer Comment (2025-02-18): Revised LE tracking uploaded for review. | 02/20/2025 |  |  | 1 C A |  | TN | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
|  | 20250599 |  |  | 33294769 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | AUS/Guideline Findings: All conditions were not met |  | Credit report is missing for co-borrower, already added exception for same. |  |  |  | Reviewer Comment (2025-02-24): Joint credit report received prior to note date, Exception Cleared.<br>Buyer Comment (2025-02-20): Joint credit report uploaded to trailing docs for review. | 02/24/2025 |  |  | 1 C A |  | TN | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 20250603 |  |  | 33294777 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Coverage amount not provided on preliminary title. |  |  |  | Reviewer Comment (2025-02-25): Title Supplemental available.<br>Buyer Comment (2025-02-21): The supplemental title report was provided in the initial shipping package under Doc ID [Redacted]page [Redacted]. | 02/25/2025 |  |  | 1 B A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20250603 |  |  | 33294778 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  |  |  |  |  | Reviewer Comment (2025-02-25): Guidelines require Condo projects must be [Redacted]% complete and HOA turned over. HOA Questionnaire confirms the same, exception cleared.<br>Buyer Comment (2025-02-21): Per [Redacted] WARRANTABLE CONDO "Condo projects must be [Redacted]% complete and HOA turned over. No Ineligible Projects characteristics as defined by Fannie Mae", per the Condo Project Questionnaire provided in the initial shipping package under Doc ID [Redacted], the project is [Redacted]% complete, the developer transferred control of the HOA [Redacted] and there are no structural integrity issues. | 02/25/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20250604 |  |  | 33294779 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-03-04): Exception cleared - Final title report received and updated [Redacted]. | 03/04/2025 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | D A B | Non QM | Non QM | No |
|  | 20250604 |  |  | 33294780 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Coverage amount not provided on preliminary title. |  |  |  | Reviewer Comment (2025-03-04): Exception cleared - Final title report received and updated [Redacted].<br>Buyer Comment (2025-03-03): Title report uploaded for review. | 03/04/2025 |  |  | 1 B A |  | CA | Primary | Refinance - Cash-out - Other | D A B | Non QM | Non QM | No |
|  | 20250604 |  |  | 33294781 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-03-07): Received CDA, Exception cleared.<br>Buyer Comment (2025-03-05): Desk review uploaded for review. | 03/07/2025 |  |  | 1 D A |  | CA | Primary | Refinance - Cash-out - Other | D A B | Non QM | Non QM | No |
|  | 20250605 |  |  | 33294506 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Spousal Consent Form not provided |  | Spousal Consent Form not provided. |  |  |  | Reviewer Comment (2025-03-06): Rresponse from bank attorney regarding spousal consent provided.<br>Buyer Comment (2025-03-06): Submitted attestation for review. Kindly escalate<br>Reviewer Comment (2025-03-04): Exception Remains - The property is located in community property states and borrower is married. Provide Spousal Consent Form.<br>Buyer Comment (2025-03-03): Spousal consent is not required, as the borrower closed as sole Trustee of a Revocable Trust. | 03/06/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | No |
|  | 20250607 |  |  | 33294787 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Approved Exception for Income.<br> Borrower sold property [Redacted][Redacted], note receivable income receipt less than [Redacted]months with a minimum or [Redacted]months proof of receipt.<br>Compensating Factors:<br> Low loan-to-value ([Redacted])<br> [Redacted] since mortgage inception of [Redacted].<br> Credit scores [Redacted]&[Redacted]points above minimum required. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | LTV on the subject loan of [Redacted]% is less than the guideline maximum of [Redacted]% by [Redacted]%.<br>Borrower's qualifying FICO score of [Redacted] exceeds the guideline minimum of [Redacted]by [Redacted]points. | SitusAMC<br>Originator,Aggregator,SitusAMC | Reviewer Comment (2025-02-26): Lender approved exception for the notes receivable income with compensating factors. |  |  | 02/26/2025 | 2 B |  | FL | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
|  | 20250609 |  |  | 33294792 |  | 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 $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Credit report fee amount of[Redacted] exceeds tolerance of [Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-03-05): Sufficient Cure Provided At Closing |  | 03/05/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
|  | 20250618 |  |  | 33294804 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | HPML non-compliant due to missing evidence borrower received appraisal at least [Redacted] days prior to closing. |  |  |  | Reviewer Comment (2025-02-21): Appraisal delivery confirmation document was provided, Acknowledgement also available in loan file, Exception Cleared.<br>Seller Comment (2025-02-19): Please see attestation letter attached<br> [Redacted].pdf (Unclassified) was uploaded | 02/21/2025 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 20250618 |  |  | 33294805 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three ([Redacted]) business days prior to consummation. | Appraisal report was sent on[Redacted], file is missing actual evidence of receipt [Redacted]business days prior to closing. |  |  |  | Reviewer Comment (2025-02-21): Appraisal delivery confirmation document was provided, Acknowledgement also available in loan file, Exception Cleared.<br>Seller Comment (2025-02-19): see attestation letter recently uploaded | 02/21/2025 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 20250618 |  |  | 33294809 |  | Compliance | Compliance | State Compliance | Misc. State Level | Ohio Consumer Sales Practices Act (No Documentation of Tangible Net Benefit Analysis) | Ohio Consumer Sales Practices Act: Mortgage loan file does not contain documentation of the analysis of the borrower's reasonable tangible net benefit. | Tangible net benefit worksheet is missing. |  |  |  | Reviewer Comment (2025-02-20): Given the overall circumstances of the borrower, which includes the interest rate being reduced from [Redacted]% to [Redacted]% and over $[Redacted]cash back to borrower, exception is cleared based on documentation in file to support this benefit.<br>Seller Comment (2025-02-19): UPDATED 1008<br> [Redacted] 1008.pdf (Unclassified) was uploaded<br>Reviewer Comment (2025-02-19): Under the Final Regulations of the Ohio Consumer Sales Practices Act, any records, worksheets, or supporting documentation used by the lender in determining the reasonable, tangible net benefit of a new loan must be maintained by that lender in the consumer's loan file for each residential mortgage loan transaction for at least two years from the date of closing. So, while there isn't a prescribed "Worksheet" that is required under the Act, we would be looking for the documentation used by the lender to support the analysis that a TNB was performed on the loan.<br>Ohio Administrative Code [Redacted] \| Reasonable, tangible net benefit.<br>(A) Division (B)(12) of section [Redacted] of the Revised Code states that a supplier shall not knowingly or intentionally engage in the act or practice of "flipping" a residential mortgage loan by making a residential mortgage loan that refinances an existing residential mortgage loan when the new loan does not have a reasonable, tangible net benefit to the consumer considering all of the circumstances, including the terms of both the new and refinanced loans, the cost of the new loan, and the consumer's circumstances. "Reasonable tangible net benefit" is determined by a weighing of the relative costs and benefits to the consumer of replacing the consumer's existing loan with the new loan under the totality of the circumstances.<br>(B) The phrase "terms of both the new and refinanced loan" includes, but shall not be limited to, the monthly payment, the interest rate, the interest rate type (i.e., adjustable or fixed), 82 the loan duration, the mortgage product type, the loan amount, any prepayment penalty, and any required insurance.<br>(C) The phrase "cost of the new loan" includes, but shall not be limited to, all paid or financed points and fees, all broker compensation paid, directly or indirectly, in connection with the new loan, any prepayment penalty paid on the consumer's existing loan in connection with the refinancing, and any other closing costs disclosed on the HUD-1 settlement statement for the new loan that were paid or financed by the consumer.<br>(D) The phrase "all of the circumstances" may include, but shall not be limited to, the amount of cash received by the consumer in excess of and in relation to the fees and costs of the refinancing, the loan-to-value ratio of the new loan compared to the pre-existing loan, the necessity of the consumer to comply with a court order, and the amount of time that has lapsed between the new loan and the origination of the pre-existing loan.<br>\*(E) All records, worksheets, and supporting documentation used by the supplier in determining the "reasonable, tangible net benefit" of a new loan that is a refinancing of the consumer's existing loan shall be maintained by that supplier in the consumer's loan file for each residential mortgage loan transaction for a period of at least [Redacted] from the date of closing, or as required by other applicable state or federal law, whichever time period is greater. Records required to be maintained by this rule may be retained in an electronic format.\* | 02/20/2025 |  |  | 1 B A |  | OH | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 20250621 |  |  | 33294824 |  | 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. | The Closing Disclosure was not provided to Borrower at least [Redacted] business days prior to closing. |  |  |  | Reviewer Comment (2025-02-21): [Redacted] received [Redacted] Initial CD, [Redacted] business days prior to the consummation.<br>Seller Comment (2025-02-20): Initial CD with Audit Log<br> [Redacted] [Redacted].pdf (Credit Review Documentation) was uploaded | 02/21/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | No Defined Cure B A | Non QM | Non QM | No |
|  | 20250621 |  |  | 33294825 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception approved for total of [Redacted]in [Redacted]months and guideline allows for [Redacted]. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has owned the subject property for at least [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Reserves: [Redacted]<br> Guideline Requirement: [Redacted] | SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-02-14): Client elects to waive with compensating factors. |  |  | 02/14/2025 | 2 B |  | WA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 20250623 |  |  | 33294520 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception requested for to to [Redacted] LTV. Lender changed program from Premier to Investor Connect and exception was no longer needed under Investor Connect program. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Seasoned Borrower/Investor whose experience exceeds [Redacted] completed projects.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted]points. |  | SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-02-21): preapproved exception |  |  | 02/21/2025 | 2 B |  | NJ | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 20250624 |  |  | 33294836 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted]exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-02-28): Sufficient Cure Provided At Closing |  | 02/28/2025 |  | 1 A |  | IN | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | No |
|  | 20250626 |  |  | 33318895 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | 1003 Final is not provided. |  |  |  | Reviewer Comment (2025-02-12): Final 1003 document received. - Exception Cleared<br>Seller Comment (2025-02-11): final 1003<br> [Redacted]pdf (Unclassified) was uploaded | 02/12/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20250626 |  |  | 33318898 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | E-sign Consent Agreement is not provided. |  |  |  | Reviewer Comment (2025-02-12): Esign consent provided. | 02/12/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20250626 |  |  | 33318899 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception approved for lack of housing history. Comp factors of DTI, FICO and reserves. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Reserves<br>DTI<br>FICO | SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-02-10): Lender granted exception approval with compensating factors in loan file. |  |  | 02/10/2025 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20250642 |  |  | 33294527 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | The Certificate of Good Standing is over [Redacted] days as of the Note date. |  |  |  | Reviewer Comment (2025-02-28): Certificate of Good Standing provided for primary entity of the series.<br>Seller Comment (2025-02-25): See page [Redacted] of the Amendement, section [Redacted]. Establishment of Series. The[Redacted] is a sub entity for the main entity [Redacted] Property so there is no separate Good standing. The good standing provided covers the LLC<br>Seller Comment (2025-02-25): See Amendment to Operating agreement. LLC on title is not a separate LLC.<br> [Redacted] Agreement.pdf (Unclassified) was uploaded<br>Reviewer Comment (2025-02-24): Provided good standing is for [Redacted] but require Certificate of Good Standing for [Redacted] Exception remains.<br>Seller Comment (2025-02-19): see attached<br> [Redacted[Redacted].pdf (Unclassified) was uploaded | 02/28/2025 |  |  | 1 C A |  | OK | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 20250644 |  |  | 33294849 |  | Credit | Documents | Missing Document | Documents | File does not contain documentation from lender/seller confirming the condo is warrantable. |  | Condo Warrantable document has been not provided. Provide Condo warranty document. |  |  |  | Reviewer Comment (2025-02-13): The limited review condo questionnaire is located in the file.<br>Seller Comment (2025-02-10): Per [Redacted]email on[Redacted] confirming this condition is valid on locks on or after [Redacted]. I have provided the lock confirmation confirming lock took place on [Redacted]. Please review & clear or have this excalated for further review. Thank you.<br> [Redacted]pdf (Unclassified) was uploaded | 02/13/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20250647 |  |  | 33294857 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-02-20): Exception Cleared, received Final Title Policy. | 02/20/2025 |  |  | 1 A |  | WA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 20250647 |  |  | 33294861 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | FICO score of [Redacted] does not meet required fico score of [Redacted] for [Redacted] cash-out. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has owned the subject property for at least [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. | DTI: [Redacted]% <br> Guideline Maximum DTI: [Redacted]% | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-02-14): Client elects to waive with comp factors. |  |  | 02/14/2025 | 2 B |  | WA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 20250647 |  |  | 33294862 |  | 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. |  | Coverage policy amount not provided on preliminary title. |  |  |  | Reviewer Comment (2025-02-20): Exception Cleared, received Final Title Policy.<br>Seller Comment (2025-02-19): see attached<br> [Redacted]pdf (Unclassified) was uploaded | 02/20/2025 |  |  | 1 C A |  | WA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 20250650 |  |  | 33418926 |  | 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. | The gift letter is dated [Redacted], which is after the note date [Redacted]. |  |  |  | Reviewer Comment (2025-03-18): Loan is Non-QM.<br>Buyer Comment (2025-03-13): SG Approves - comp factors > min 6 mos. reserves, [Redacted]% DTI, conservative credit user. | 03/18/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM status C B | Non QM | Non QM | No |
|  | 20250650 |  |  | 33418927 |  | 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. | The gift letter is dated [Redacted], which is after the note date [Redacted]. |  |  |  | Reviewer Comment (2025-03-18): Client elects to waive.<br>Reviewer Comment (2025-03-18): Downgraded to EV2-B based on comp factors including [Redacted]months reserves, disposable income of [Redacted] DTI [Redacted] (guideline max [Redacted]), and FICO [Redacted]over guidelines. Elevated manager approved.<br>Buyer Comment (2025-03-13): SG Approves - comp factors > min 6 mos. reserves, [Redacted]% DTI, conservative credit user. |  |  | 03/18/2025 | 2 C B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20250650 |  |  | 33418929 |  | 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. | The gift letter is dated [Redacted], which is after the note date [Redacted]. |  |  |  | Reviewer Comment (2025-03-18): Client elects to waive.<br>Reviewer Comment (2025-03-18): Downgraded to EV2-B based on comp factors including [Redacted]months reserves, disposable income of >$[Redacted], DTI[Redacted] (guideline max [Redacted]%), and FICO [Redacted]over guidelines. Elevated manager approved.<br>Buyer Comment (2025-03-13): SG Approves - comp factors > min [Redacted]mos. reserves, [Redacted]% DTI, conservative credit user. |  |  | 03/18/2025 | 2 C B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20250650 |  |  | 33418930 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Borrower's own funds percent discrepancy. |  | Calculated borrower's own funds of [Redacted]% is less than Guideline required borrower's own funds of [Redacted]%. | Miscellaneous<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] FICO acceptable<br>Reserves: [Redacted]<br> Guideline Requirement: [Redacted]<br>DTI: [Redacted]% <br> Guideline Maximum DTI: [Redacted]% | Originator<br>SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC<br>Aggregator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-03-14): Client elects to waive with compensating factors.<br>Buyer Comment (2025-03-13): [Redacted] Approves - comp factors > min [Redacted]mos. reserves, [Redacted]% DTI, conservative credit user. |  |  | 03/14/2025 | 2 C B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20250654 |  |  | 33294547 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | The file is missing the [Redacted] for the borrowing business entity. |  |  |  | Reviewer Comment (2025-02-26): Articles of Organization/Formation for the borrowing business entity received. Exception Cleared.<br>Seller Comment (2025-02-25): see attached<br> [Redacted] Documents.pdf (Unclassified) was uploaded<br>Reviewer Comment (2025-02-13): Provided document was already a part of initial package. Require initial Articles of Organization/Formation for the borrowing business entity. Exception Remains.<br>Seller Comment (2025-02-11): see attached<br> [Redacted].pdf (Unclassified) was uploaded | 02/26/2025 |  |  | 1 C A |  | PA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 20250660 |  |  | 33294872 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Policy coverage amount not provided on preliminary title. |  |  |  | Reviewer Comment (2025-02-20): Exception Cleared; Title Preliminary Supplemental policy is received.<br>Seller Comment (2025-02-18): [Redacted].pdf (Unclassified) was uploaded | 02/20/2025 |  |  | 1 B A |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
|  | 20250668 |  |  | 33294550 |  | 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 ([Redacted]) of [Redacted] does not meet Guideline Debt Service Coverage Ratio ([Redacted]) [Redacted] . |  |  |  | Reviewer Comment (2025-02-13): No new document received. Current lease amount is [Redacted] and market rent is [Redacted]. Current lease exceeds market rent, updated appraisal rent field with [Redacted] ([Redacted] of market rent). Re-calculated Debt Service Coverage ratio of [Redacted] meets guideline requirement. Exception cleared.<br>Seller Comment (2025-02-12): Please provide your calculation please. | 02/13/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 20250675 |  |  | 33294554 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Non-Owner Occupancy Declaration not provided |  |  |  |  |  | Reviewer Comment (2025-02-17): Received business purpose and occupancy affidavit. Exception cleared.<br>Seller Comment (2025-02-14): [Redacted]- occupancy affidavit.pdf (Unclassified) was uploaded | 02/17/2025 |  |  | 1 C A |  | RI | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 20250675 |  |  | 33294555 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved to allow private party [Redacted] . Borrower provided canceled checks and bank statement, but only verified [Redacted] months. Letter of Explanation in loan file for inconsistent payment. Comp factors: [Redacted] [Redacted] and [Redacted] . | The qualifying DSCR on the loan is greater than the guideline minimum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted]months. | DSCR of [Redacted]<br>FICO of [Redacted]<br>Reserves | SitusAMC,Aggregator<br>Aggregator,SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-02-13): Lender granted exception approval with compensating factors in loan file. |  |  | 02/13/2025 | 2 B |  | RI | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 20250676 |  |  | 33294557 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | The OFAC for the borrowing entity is missing. |  |  |  | Reviewer Comment (2025-02-18): Provided OFAC Search result for borrowing business entity. Exception cleared.<br>Seller Comment (2025-02-14): See OFAC attached<br> [Redacted].pdf (Unclassified) was uploaded | 02/18/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Rate/Term | C A |  | N/A | No |
|  | 20250681 |  |  | 33294882 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Final fully executed and complete CD for [Redacted] not provided. |  |  |  | Reviewer Comment (2025-02-28): Final CD received and associated for REO property. Exception Cleared.<br>Seller Comment (2025-02-27): [Redacted]pdf (Unclassified) was uploaded | 02/28/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
|  | 20250681 |  |  | 33294885 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Final fully executed and complete CD for [Redacted] not provided and missing additional [Redacted] months bank statement(s) for [Redacted] acct numbers ending [Redacted]and [Redacted]([Redacted] provided). |  |  |  | Reviewer Comment (2025-02-28): Final CD received and associated for REO property. Exception Cleared.<br>Seller Comment (2025-02-27): [Redacted]pdf (Unclassified) was uploaded | 02/28/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
|  | 20250681 |  |  | 33294886 |  | 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. | Final fully executed and complete CD for [Redacted][Redacted] not provided and missing additional [Redacted] months bank statement(s) for RBC acct numbers ending [Redacted] and [Redacted]([Redacted] provided). |  |  |  | Reviewer Comment (2025-02-28): Final CD received and associated for REO property. Exception Cleared.<br>Seller Comment (2025-02-27): CD & As far as the accounts goes, they are both IRAs so we do not need [Redacted]consecutive months. it's acceptable to just get updated balances and use the latest month. Please have this also apply to the other conditions asking for the reserves.<br> [Redacted]pdf (Unclassified) was uploaded | 02/28/2025 |  |  | 1 B A C |  | MI | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | No |
|  | 20250681 |  |  | 33294887 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Final fully executed and complete CD for [Redacted] not provided and missing additional [Redacted] months bank statement(s) for RBC acct numbers ending [Redacted]and [Redacted] ([Redacted] provided). |  |  |  | Reviewer Comment (2025-02-28): Final CD received and associated for REO property. Exception Cleared.<br>Seller Comment (2025-02-27): [Redacted]pdf (Unclassified) was uploaded | 02/28/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
|  | 20250681 |  |  | 33294888 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank [Redacted]): Based on the loan failing one or more guideline components, the loan is at ATR risk. | Final fully executed and complete CD for [Redacted] not provided and missing additional [Redacted] months bank statement(s) for RBC acct numbers ending [Redacted] and [Redacted]([Redacted] and [Redacted] provided). |  |  |  | Reviewer Comment (2025-02-28): Final CD received and associated for REO property. Exception Cleared.<br>Seller Comment (2025-02-27): [Redacted].pdf (Unclassified) was uploaded | 02/28/2025 |  |  | 1 C A |  | MI | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
|  | 20250682 |  |  | 33418937 |  | 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. | Creditor did not provide a copy of each valuation (CDA [Redacted]) to applicant three ([Redacted]) business days prior to consummation. |  |  |  | Buyer Comment (2025-03-20): SGCP acknowledges and waives this non-material EV2 finding: ECOA Appraisal - Copy of Appraisal Not Provided [Redacted]Business Days Prior to Consummation<br>Reviewer Comment (2025-03-12): AIR Appraisal Delivery Cert in file shows CDA delivered [Redacted] which is not ([Redacted]) business days prior to consummation.<br>Seller Comment (2025-03-07): PLEASE SEE CDA AIR CERT<br> [Redacted].pdf (Unclassified) was uploaded<br>Reviewer Comment (2025-03-06): Require proof/receipt of Secondary appraisal/CDA report date [Redacted] to borrower prior to 3 business days to closing date. Exception Remains.<br>Seller Comment (2025-03-05): Please see attached for CDA receipt<br> [Redacted]pdf (Unclassified) was uploaded<br>Reviewer Comment (2025-02-28): The CDA report is dated [Redacted], it cannot be provided on[Redacted]. Provided delivery certificate is for the appraisal report, exception remains.<br>Seller Comment (2025-02-26): CDA provided on[Redacted] and loan Closed on [Redacted]. Please see PCCD<br> [Redacted].pdf (Unclassified) was uploaded |  |  | 03/20/2025 | 2 B |  | CA | Second Home | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
|  | 20250682 |  |  | 33418939 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Final CD for [Redacted] refinance loan number ending [Redacted]not provided. |  |  |  | Reviewer Comment (2025-03-05): Received Closing Disclosure, Hazard Insurance and Tax Certificate. Exception cleared.<br>Seller Comment (2025-03-04): Please see Taxes and Insurance for [Redacted][Redacted] prop, previously uploaded.<br>Reviewer Comment (2025-02-28): Closing Disclosure received, but tax and insurance are not escrowed as per the closing disclosure. Please provide tax cert and Hazard insurance.<br>Seller Comment (2025-02-26): See CD previoulsy uploaded | 03/05/2025 |  |  | 1 C A |  | CA | Second Home | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
|  | 20250682 |  |  | 33418940 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income documentation requirements not met. |  | Final CD for [Redacted] refinance loan number ending [Redacted]not provided. |  |  |  | Reviewer Comment (2025-03-05): Received Closing Disclosure, Hazard Insurance and Tax Certificate. Exception cleared.<br>Seller Comment (2025-03-04): Please see Taxes and Insurance for [Redacted][Redacted] prop, previously uploaded.<br>Reviewer Comment (2025-02-28): Closing Disclosure received, but tax and insurance are not escrowed as per the closing disclosure. Please provide tax cert and Hazard insurance.<br>Seller Comment (2025-02-26): See CD previoulsy uploaded | 03/05/2025 |  |  | 1 C A |  | CA | Second Home | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
|  | 20250682 |  |  | 33418941 |  | 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. | Final CD for [Redacted] refinance loan number ending [Redacted]not provided. |  |  |  | Reviewer Comment (2025-03-05): Received Closing Disclosure, Hazard Insurance and Tax Certificate. Exception cleared.<br>Seller Comment (2025-03-04): Please see Taxes and Insurance for [Redacted] [Redacted] prop, previously uploaded.<br>Reviewer Comment (2025-02-28): Closing Disclosure received, but tax and insurance are not escrowed as per the closing disclosure. Please provide tax cert and Hazard insurance.<br>Seller Comment (2025-02-26): See CD previoulsy uploaded | 03/05/2025 |  |  | 1 B A C |  | CA | Second Home | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | No |
|  | 20250682 |  |  | 33418942 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Income/Asset Guideline Deficiency - ATR Impact | Ability to Repay (Dodd-Frank 2014): There are guideline deficiencies related to income and/or asset doc requirements which could result in a risk to the borrower's ability to repay. (Exception is eligible to be regraded with compensating factors.) | Final CD for [Redacted] refinance loan number ending [Redacted]not provided. |  |  |  | Reviewer Comment (2025-03-05): Received Closing Disclosure, Hazard Insurance and Tax Certificate. Exception cleared.<br>Seller Comment (2025-03-04): Please see Taxes and Insurance for [Redacted]p, previously uploaded.<br>Reviewer Comment (2025-02-28): Closing Disclosure received, but tax and insurance are not escrowed as per the closing disclosure. Please provide tax cert and Hazard insurance.<br>Seller Comment (2025-02-26): see CD previously uploaded | 03/05/2025 |  |  | 1 C A |  | CA | Second Home | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
|  | 20250682 |  |  | 33418943 |  | 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. | Final CD for [Redacted] refinance loan number ending [Redacted]not provided. |  |  |  | Reviewer Comment (2025-03-05): Received Closing Disclosure, Hazard Insurance and Tax Certificate. Exception cleared.<br>Seller Comment (2025-03-04): Please see Taxes and Insurance for[Redacted].<br> [Redacted].pdf (Unclassified) was uploaded<br>Reviewer Comment (2025-02-28): Closing Disclosure received, but tax and insurance are not escrowed as per the closing disclosure. Please provide tax cert and Hazard insurance.<br>Seller Comment (2025-02-26): See CD attached<br> [Redacted]pdf (Unclassified) was uploaded | 03/05/2025 |  |  | 1 C A |  | CA | Second Home | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
|  | 20250685 |  |  | 33418974 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD not provided |  | Final HUD-1 is not located the file. The HUD provided is unsigned and the loan amount does not match the note. |  |  |  | Reviewer Comment (2025-03-14): Received Final HUD. Exception cleared.<br>Seller Comment (2025-03-13): [Redacted].pdf (HUD-1) was uploaded | 03/14/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
|  | 20250685 |  |  | 33418975 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  |  |  |  |  | Reviewer Comment (2025-03-14): Received Guaranty Agreement. Exception cleared.<br>Seller Comment (2025-03-13): Commercial Guaranty.pdf (Closing Package) was uploaded | 03/14/2025 |  |  | 1 D A |  | NC | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
|  | 20250685 |  |  | 33418976 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | The Business Purpose Certificate is not located in the file. |  |  |  | Reviewer Comment (2025-03-14): Received Business Purpose Certificate. Exception cleared.<br>Seller Comment (2025-03-13): Business Purpose Affidavit.pdf (Closing Package) was uploaded | 03/14/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | D A |  | N/A | No |
|  | 20250691 |  |  | 33294896 |  | Compliance | Compliance | Federal Compliance | RESPA | RESPA - Initial Escrow Account statement Inaccurate | RESPA: Initial escrow account statement does not match charges on HUD-1/Final Closing Disclosure. | Post Close CD dated [Redacted] reflects a change in initial escrow deposit to [Redacted]. Initial Escrow Account Disclosure and final CD at closing reflect initial escrow deposit of [Redacted]. |  |  |  | Reviewer Comment (2025-02-20): Exception Cleared, updated Initial Escrow Account Disclosure document is received.<br>Seller Comment (2025-02-18): [Redacted]- [Redacted].pdf (Unclassified) was uploaded<br>Reviewer Comment (2025-02-14): PCCD updated, Initial Escrow Account Disclosure and final CD at closing reflect initial escrow deposit of $[Redacted]. Please provided initial escrow disclosure with $[Redacted]to match with PCCD. Exception Remains.<br>Seller Comment (2025-02-11): Please find attached COC & CD Consummation [Redacted]showing that property taxes were reduced from $[Redacted]to $[Redacted]. Please review & clear.<br> [Redacted]- [Redacted].pdf (Unclassified) was uploaded | 02/20/2025 |  |  | 1 B A |  | CA | Second Home | Purchase | If the IEAD is correct and the CD/HUD is incorrect, we require a corrected PCCD/HUD with LOE to borrower to cure. Signature is not required.<br> If the CD/HUD is correct and the IEAD is incorrect, we require LOE and corrected IEAD to cure. Signature is not required. B | Non QM | Non QM | No |
|  | 20250691 |  |  | 33294897 |  | 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 - Endorsement Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of[Redacted] exceeds tolerance of [Redacted]. COC provided in the file. |  |  |  | Reviewer Comment (2025-02-18): [Redacted] Received Corrected PCCD and LOE.<br>Seller Comment (2025-02-14): Please see attached COC verifying the endorsement fee went from previous amount of $[Redacted]that was previously disclosed and it lowered to $[Redacted]. Please review & clear.<br> [Redacted]- PCCD.pdf (Unclassified) was uploaded | 02/18/2025 |  |  | 1 A |  | CA | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
|  | 20250708 |  |  | 33418932 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-02-27): Final title policy received and associated. Exception cleared. | 02/27/2025 |  |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
|  | 20250708 |  |  | 33418934 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | Title Policy Coverage of $[Redacted]is less than Original Loan Amount of $[Redacted]. |  |  |  | Reviewer Comment (2025-02-27): Title policy amount updated from Final title policy. Exception cleared.<br>Seller Comment (2025-02-26): [Redacted].pdf (Unclassified) was uploaded | 02/27/2025 |  |  | 1 B A |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
|  | 20250708 |  |  | 33418935 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. |  | Min [Redacted]FICO for P&L per guides. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted]. | Disposable Income: $[Redacted] | SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-03-04): Client elects to waive with comp factors.<br>Buyer Comment (2025-03-04): [Redacted] approves, comp factors [Redacted]mos reserves, DTI [Redacted].<br>Reviewer Comment (2025-02-28): Reopening exception: <br> The guideline being referenced refers to using the middle credit score of the borrower with the higher score middle credit score, not using the highest of a single borrower's three scores.<br>Reviewer Comment (2025-02-28): Section [Redacted] of guidelines, the highest FICO score can be used when borrower meets continuity of obligation. |  |  | 03/04/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
|  | 20250710 |  |  | 33418961 |  | 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 Underwriting Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Underwriting Fee increased from $[Redacted]to $[Redacted]on LE issued on [Redacted] and subsequently charged on final CD with no valid COC provided. No evidence of cure found. |  |  |  | Reviewer Comment (2025-03-06): [Redacted]received LOE suffice.<br>Seller Comment (2025-03-05): Please see rebuttal letter attached<br> [Redacted].pdf (Unclassified) was uploaded | 03/06/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | No |
|  | 20250710 |  |  | 33418962 |  | 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 MERS Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | MERS Registration Fee Appraisal Fee of $[Redacted]was added to LE issued on [Redacted] and subsequently charged on final CD with no valid COC provided. No evidence of cure found. |  |  |  | Reviewer Comment (2025-03-06): [Redacted]received LOE suffice.<br>Seller Comment (2025-03-05): Please see rebuttal letter attached<br> [Redacted].pdf (Unclassified) was uploaded | 03/06/2025 |  |  | 1 C A |  | NY | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | No |
|  | 20250718 |  |  | 32665149 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender provided exception for First Time Investor on a Rate Term transaction. | The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | LTV is [Redacted] below guideline max.<br>Fico is [Redacted] above guideline minimum. | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-01-21): Lender exception in file. |  |  | 01/21/2025 | 2 B |  | TX | Investment | Refinance - Rate/Term | B A |  | N/A | No |
|  | 20250723 |  |  | 32726266 |  | Credit | Loan Package Documentation | Closing / Title | Missing, Incorrect, or Incomplete Note | Missing Document: Note - Subject Lien not provided |  | The file was missing Note - Subject Lien |  |  |  | Reviewer Comment (2025-02-10): Received and associated Note - Subject Lien. Exception Cleared.<br>Seller Comment (2025-02-06): Note | 02/10/2025 |  |  | 1 D A |  | MD | Investment | Refinance - Rate/Term | D A |  | N/A | No |
|  | 20250723 |  |  | 32726314 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Available for Closing is insufficient to cover Cash From Borrower. |  |  |  | Reviewer Comment (2025-02-11): The HUD from a cash-out transaction was provided.<br>Seller Comment (2025-02-07): On page [Redacted] of [Redacted] is the [Redacted] and at the bottom in the notes it states "FUNDS FOR CLOSING AND RESERVES COMING FROM ARC [Redacted]". I have attached the CD from that loan number showing the cash back to borrow that was used as reserves. | 02/11/2025 |  |  | 1 C A |  | MD | Investment | Refinance - Rate/Term | D A |  | N/A | No |
|  | 20250723 |  |  | 32726326 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. |  |  |  | Reviewer Comment (2025-02-11): The HUD from a cash-out transaction was provided.<br>Seller Comment (2025-02-07): Waterfall to Exception [Redacted] | 02/11/2025 |  |  | 1 C A |  | MD | Investment | Refinance - Rate/Term | D A |  | N/A | No |
|  | 20250726 |  |  | 32733782 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Using [Redacted]% of funds from business account even though borrower only owns [Redacted]% of business. A lender exception was provided. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted]points. | [Redacted] months reserves<br>Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-02-11): Lender exception in file.<br>Seller Comment (2025-02-07): On page [Redacted] of [Redacted] is the required LOE from other owners of business to verify okay for borrower to use [Redacted] of funds. Please Cancel. |  |  | 02/11/2025 | 2 C B |  | NY | Investment | Purchase | C B A |  | N/A | No |
|  | 20250732 |  |  | 32589707 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing LOE from borrower for gap in employment from [Redacted]. |  |  |  | Reviewer Comment (2025-01-24): Documentation provided; exception cleared<br>Reviewer Comment (2025-01-23): Waiting for documentation.<br>Seller Comment (2025-01-21): Attached the LOE from borrower for gap in employment from [Redacted]. [Redacted] - Requested the LOE from borrower for gap in employment from [Redacted].<br>Reviewer Comment (2025-01-13): Exception is for use of RSU, exception remains.<br>Seller Comment (2025-01-09): Approved Exception on page [Redacted] of [Redacted]that includes the borrower for gap in employment from [Redacted]. | 01/24/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 20250733 |  |  | 32520402 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. | Notice of Right to Cancel in file was not signed. |  |  |  | Reviewer Comment (2025-01-09): Signed RTC provided, exception cleared.<br>Seller Comment (2025-01-07): [Redacted] - Uploaded Executed Notice of Right to Cancel - provided by closer - to [Redacted]. Please review and clear exception. | 01/09/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20250733 |  |  | 32536231 |  | 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 Attorney Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2024-12-31): Sufficient Cure Provided At Closing |  | 12/31/2024 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20250733 |  |  | 32603841 |  | 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: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but pre-FEMA declaration of disaster end date.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [Redacted] | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-01-29): The client elects to waive.<br>Seller Comment (2025-01-28): Attached the Disaster Inspection |  |  | 01/29/2025 | 2 B |  | CA | Primary | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250734 |  |  | 32652933 |  | 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 Service Charges. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Service Charges was not disclosed on LE but disclosed as $[Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-01-27): [Redacted] received corrected PCCD and LOE correcting the fee name paid to title.<br>Seller Comment (2025-01-23): [Redacted] - Entered comments in [Redacted]& [Redacted]. Uploaded LOX, PCCD & Copy of [Redacted]Mailing to borrower. There is no tolerance violation or cure due to the borrower. Mortgage Satisfaction Service Fee was named incorrectly - it has been corrected to "Title - Mortgage Satisfaction Service Fee " on the PCCD. This is a clerical change only - all amounts, terms and calculations match the Executed Final CD at closing. Please review and clear exception.<br>Seller Comment (2025-01-23): [Redacted] - Entered comments in [Redacted]& [Redacted]. Uploaded LOX, PCCD & Copy of [Redacted]Mailing to borrower. There is no tolerance violation or cure due to the borrower. Mortgage Satisfaction Service Fee was named incorrectly - it has been corrected to "Title - Mortgage Satisfaction Service Fee " on the PCCD. This is a clerical change only - all amounts, terms and calculations match the Executed Final CD at closing. Please review and clear exception.<br>Seller Comment (2025-01-23): [Redacted] - Entered comments in [Redacted]. Uploaded LOX, PCCD & Copy of [Redacted] Mailing to borrower. There is no tolerance violation or cure due to the borrower. Mortgage Satisfaction Service Fee was named incorrectly - it has been corrected to "Title - Mortgage Satisfaction Service Fee " on the PCCD. This is a clerical change only - all amounts, terms and calculations match the Executed Final CD at closing. Please review and clear exception. | 01/27/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 20250734 |  |  | 32655089 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for NSFs contingent on [Redacted] months reserves. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has owned the subject property for at least [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. | $[Redacted] residual income.<br>[Redacted] months reserves.<br>LTV/CLTV is [Redacted] below guideline max.<br>LTV/CLTV is [Redacted] below guideline max. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-01-16): Lender exception in file. |  |  | 01/16/2025 | 2 B |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 20250735 |  |  | 32661778 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-02-05): Final Title provided, exception cleared. | 02/05/2025 |  |  | 1 A |  | FL | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250735 |  |  | 32661876 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted]disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated[Redacted]). | Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted] is over disclosed by $[Redacted] compared to the calculated Amount Financed of $[Redacted] and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate |  |  |  | Reviewer Comment (2025-01-30): [Redacted] received lender attestation on services/purpose of fee and not finance charge.<br>Seller Comment (2025-01-29): [Redacted] - Entered comments in [Redacted] & [Redacted]. The Finance Charge is not under-disclosed - the closer provided an explanation, which should suffice. Uploaded LOX & Copy of Receipt from attorney to [Redacted]. The closer advised the Lien Payoff Fee [Redacted] disclosed in Section H - Page [Redacted]- is for re-imbursement on a cash transaction between city and attorney, which is a misc. fee and not a finance charge. This was to obtain the most up to date payoff amounts for the judgment liens against the property to be disclosed on the Final CD at Closing. The attorney confirmed this information. The loan has three judgment liens being paid off at time of closing, showing on page [Redacted] of the Executed Final CD at closing. There is not a line item in the system for payoff receipt, so the closer chose the closest fee name - Lien Payoff. Please review and clear exception.<br>Seller Comment (2025-01-29): [Redacted] - Entered comments in [Redacted]l & [Redacted]. The Finance Charge is not under-disclosed - the closer provided an explanation, which should suffice. Uploaded LOX & Copy of Receipt from attorney to [Redacted]. The closer advised the Lien Payoff Fee [Redacted] disclosed in Section H - Page [Redacted]- is for re-imbursement on a cash transaction between city and attorney, which is a misc. fee and not a finance charge. This was to obtain the most up to date payoff amounts for the judgment liens against the property to be disclosed on the Final CD at Closing. The attorney confirmed this information. The loan has three judgment liens being paid off at time of closing, showing on page 3 of the Executed Final CD at closing. There is not a line item in the system for payoff receipt, so the closer chose the closest fee name - Lien Payoff. Please review and clear exception. | 01/30/2025 |  |  | 1 C A |  | FL | 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 | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20250735 |  |  | 32661877 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on[Redacted] disclosed an inaccurate Finance Charge on page [Redacted]that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted]is under disclosed by $[Redacted]compared to the calculated Finance Charge of $[Redacted]which exceeds the $[Redacted] threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated[Redacted]. | Final Closing Disclosure provided on [Redacted] disclosed an inaccurate Finance Charge on page [Redacted] that does not match the actual Finance Charge for the loan. The disclosed Finance Charge in the amount of $[Redacted] is under disclosed by $[Redacted] compared to the calculated Finance Charge of $[Redacted] which exceeds the $[Redacted] threshold |  |  |  | Reviewer Comment (2025-01-30): [Redacted] received lender attestation on services/purpose of fee and not finance charge.<br>Seller Comment (2025-01-29): [Redacted] - Entered comments in[Redacted] &[Redacted]. The Finance Charge is not under-disclosed - the closer provided an explanation, which should suffice. Uploaded LOX & Copy of Receipt from attorney to [Redacted]. The closer advised the Lien Payoff Fee [Redacted] disclosed in Section H - Page [Redacted]- is for re-imbursement on a cash transaction between city and attorney, which is a misc. fee and not a finance charge. This was to obtain the most up to date payoff amounts for the judgment liens against the property to be disclosed on the Final CD at Closing. The attorney confirmed this information. The loan has three judgment liens being paid off at time of closing, showing on page [Redacted] of the Executed Final CD at closing. There is not a line item in the system for payoff receipt, so the closer chose the closest fee name - Lien Payoff. Please review and clear exception.<br>Seller Comment (2025-01-29): [Redacted] - Entered comments in [Redacted]l & [Redacted]. The Finance Charge is not under-disclosed - the closer provided an explanation, which should suffice. Uploaded LOX & Copy of Receipt from attorney to [Redacted]. The closer advised the Lien Payoff Fee [Redacted] disclosed in Section H - Page [Redacted]- is for re-imbursement on a cash transaction between city and attorney, which is a misc. fee and not a finance charge. This was to obtain the most up to date payoff amounts for the judgment liens against the property to be disclosed on the Final CD at Closing. The attorney confirmed this information. The loan has three judgment liens being paid off at time of closing, showing on page [Redacted]of the Executed Final CD at closing. There is not a line item in the system for payoff receipt, so the closer chose the closest fee name - Lien Payoff. Please review and clear exception. | 01/30/2025 |  |  | 1 C A |  | FL | 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 if Applicable | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20250735 |  |  | 32661878 |  | 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 ([Redacted]) business days of application. Initial Loan Estimate dated [Redacted] 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. | Loan Estimate not delivered to Borrower(s) within three ([Redacted]) business days of application. Initial Loan Estimate dated [Redacted] 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. |  |  |  | Reviewer Comment (2025-01-30): [Redacted] received disclosure tracking and the eConsent received on [Redacted].<br>Seller Comment (2025-01-28): [Redacted] - Entered comments in [Redacted] & [Redacted]. Exception is invalid - please cancel. Uploaded LOX to [Redacted]. There is no Loan Estimate Timing violation on this loan. The application was received by the lender [Redacted] - Initial Disclosure Package, including, Initial Loan Estimate issued one (1) business day after application received on [Redacted].<br>E-Consent to receive electronic documents is not provided prior to application or Initial Disclosure Package - within the 1003/application. This is standard procedure on all loans - borrower consented to e-sign upon receipt of Initial Disclosure Package [Redacted]. DocMagic e-Sign Console and MeridianLink Audit History support completion of e-consent at time of Initial Disclosures issued [Redacted]. | 01/30/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250735 |  |  | 32661879 |  | 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 $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | [Redacted] Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-01-30): [Redacted] received additional rebuttal comment with valid Changed circumstance.<br>Seller Comment (2025-01-28): [Redacted]- Entered comments in [Redacted]&[Redacted]. Exception is invalid - please cancel. COC with valid reason for the change in the file at time of review. COC located in [Redacted]- Page [Redacted]- Document # [Redacted]. Appraisal Re-Inspection Fee [Redacted] - added due to Appraisal Subject to repairs per Appraisal Report signed by appraiser on [Redacted]. Re-disclosed LE issued [Redacted] - located in [Redacted]- Pages [Redacted]- Document[Redacted] Appraisal Re-inspection Fee decreased to [Redacted] on ICD issued [Redacted] & remained the same through Executed Final CD. | 01/30/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20250735 |  |  | 32667769 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Title search shows negative impact on title. |  | Judgements on title, paid off at closing. Provide final clear Title. |  |  |  | Reviewer Comment (2025-02-05): Final Title provided, exception cleared.<br>Seller Comment (2025-02-03): Attached the Final Title.<br>Reviewer Comment (2025-01-27): This is for the judgments, not the taxes. Final Title is required.<br>Seller Comment (2025-01-23): Attached Proof the Tax Lien was paid. | 02/05/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250737 |  |  | 32702279 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided |  | Accommodation Rider is missing in file. |  |  |  | Reviewer Comment (2025-02-10): After further review, exception cancelled.<br>Seller Comment (2025-02-07): On page [Redacted]of [Redacted] we have the Personal Guaranty in place of the Accommodation Rider. Please Cancel. | 02/10/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A |  | N/A | No |
|  | 20250737 |  |  | 32703268 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing either a gift letter showing that the earnest money deposit is a gift or a copy of Schedule A of the operating agreement showing [Redacted] as a member of [Redacted]. Schedule A list of members in file for this entity does not reflect [Redacted] as a member. |  |  |  | Reviewer Comment (2025-02-26): Documentation provided; exception cleared.<br>Seller Comment (2025-02-25): Attached document that proves the borrower had her name changed. Please Clear.<br>Reviewer Comment (2025-02-10): The operating agreement shows [Redacted] other names, not [Redacted].<br>Seller Comment (2025-02-07): On page [Redacted] of [Redacted]is the first page and beginning of the Operating Agreement. On page [Redacted] of [Redacted] , at the bottom of the page, is Schedule A, showing [Redacted] as a member of [Redacted] with a [Redacted] take in the company. Please Cancel. | 02/26/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A |  | N/A | No |
|  | 20250741 |  |  | 32698131 |  | 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 $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-01-23): Sufficient Cure Provided At Closing |  | 01/23/2025 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20250744 |  |  | 32698394 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-02-11): Received and associated E-sign Consent Agreement document. Exception cleared.<br>Seller Comment (2025-02-10): Attached the E-Sign Consent Agreement. | 02/11/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 20250744 |  |  | 32699213 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Missing 12 month consecutive payment history of primary residence including rental property listed. |  |  |  | Reviewer Comment (2025-02-13): Received Mortgage payment for Primary Residence and [Redacted] months history verified. Exception Cleared<br>Seller Comment (2025-02-11): attached a copy of some of the mortgage statements and the Mortgage history at the bottom one of them shows his [Redacted] month housing history with the mortgage payment history. | 02/13/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 20250745 |  |  | 32708464 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Single entity ownership, lender exception in file. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. | $[Redacted] residual income<br>[Redacted] months reserves<br>LTV/CLTV is [Redacted] below guideline max.<br>LTV/CLTV is [Redacted] below guideline max.<br>DTI is [Redacted] below guideline max. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-01-24): Lender exception in file. |  |  | 01/24/2025 | 2 B |  | NY | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250746 |  |  | 32607832 |  | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal |  |  |  |  |  | Reviewer Comment (2025-01-23): Updated CDA provided.<br>Seller Comment (2025-01-21): Attached the Updated CDA. | 01/23/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250747 |  |  | 32685036 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide proof of [Redacted] month landlord history, otherwise borrower must qualify as FTI which only allows minimum DSCR of [Redacted]. |  |  |  | Reviewer Comment (2025-02-27): Documentation provided; exception cleared.<br>Seller Comment (2025-02-27): Doc<br>Seller Comment (2025-02-27): Attached the LOE from the borrower, along with a print of there [Redacted] profile that shows they have been renting for over a year and the Property Details Report to prove they have [Redacted]months landlord history. | 02/27/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
|  | 20250747 |  |  | 32685159 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  |  |  | Reviewer Comment (2025-02-27): Documentation provided; exception cleared.<br>Seller Comment (2025-02-27): Attached the Articles of Organization along with the Certificate of Amendment changing the name from [Redacted] to [Redacted] | 02/27/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C A |  | N/A | No |
|  | 20250748 |  |  | 32926345 |  | 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: ___ <br> Disaster End Date: ___<br> Disaster Name: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [Redacted] | SitusAMC,Aggregator | Reviewer Comment (2025-02-25): A [Redacted] was provided, and no visible damage was reported. |  |  | 02/25/2025 | 2 B |  | CA | Primary | Purchase | A B | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250752 |  |  | 32706654 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide evidence borrower has landlord history for at least [Redacted] months in the last [Redacted] years. |  |  |  | Reviewer Comment (2025-02-05): Documentation provided; exception cleared.<br>Seller Comment (2025-02-03): Attached the LOE that evidence borrower has landlord history for at least [Redacted] months in the last [Redacted]years. | 02/05/2025 |  |  | 1 C A |  | MD | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 20250753 |  |  | 32667067 |  | 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 ___ does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) ___. | Lender exception in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] months reserves<br>LTV is [Redacted] below guideline max.<br>Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-01-17): Lender exception in file. |  |  | 01/17/2025 | 2 B |  | SC | Investment | Purchase | B A |  | N/A | No |
|  | 20250754 |  |  | 32731505 |  | 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: ___<br> Disaster Declaration Date: ___ | The subject property is located in a FEMA disaster area that does not have a declared end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [Redacted] | SitusAMC,Aggregator | Reviewer Comment (2025-02-12): A [Redacted] was provided, and no visible damage was found.<br>Seller Comment (2025-02-10): Attached the [Redacted] |  |  | 02/12/2025 | 2 C B |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 20250756 |  |  | 32712520 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing twelve month pay history for primary residence. |  |  |  | Reviewer Comment (2025-02-13): Documentation provided; exception cleared.<br>Seller Comment (2025-02-13): Updated [Redacted], LOE on page [Redacted]of [Redacted].<br>Reviewer Comment (2025-02-10): The 1003 does not reflect the primary in the REO section. Please add to the 1003 to determine what the monthly mortgage payment is so we can verify with documentation.<br>Seller Comment (2025-02-07): On page [Redacted] of [Redacted] we have over [Redacted] months payment history for the Primary Residence on the Credit Report and we also have the Primary print out from the LOS on page [Redacted]. Please Cancel. | 02/13/2025 |  |  | 1 C A |  | NJ | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 20250756 |  |  | 32734756 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Business Entity is layered with a Trust. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | SitusAMC,Aggregator<br>SitusAMC | Reviewer Comment (2025-01-29): The client elects to waive. |  |  | 01/29/2025 | 2 B |  | NJ | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 20250757 |  |  | 32683965 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  | The file is missing a copy of the Employer Identification Number (EIN). |  |  |  | Reviewer Comment (2025-02-03): Received and associated Employer Identification Number (EIN) for [Redacted]. Exception cleared.<br>Seller Comment (2025-01-30): Attached the EIN Number | 02/03/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 20250761 |  |  | 32741205 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower is non-permanent resident alien on an asylum category ([Redacted]) from Ecuador, lender exception in file. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC | Reviewer Comment (2025-02-03): Lender exception in file. |  |  | 02/03/2025 | 2 B |  | CT | Investment | Refinance - Rate/Term | B A |  | N/A | No |
|  | 20250763 |  |  | 32696755 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Insufficient assets verified to meet reserve requirements. |  |  |  | Reviewer Comment (2025-02-05): Documentation provided; exception cleared.<br>Seller Comment (2025-02-03): Waterfall to [Redacted] | 02/05/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A |  | N/A | No |
|  | 20250763 |  |  | 32696756 |  | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require |  | Insufficient assets verified to meet reserve requirements. |  |  |  | Reviewer Comment (2025-02-05): Documentation provided; exception cleared.<br>Seller Comment (2025-02-03): Waterfall to [Redacted] | 02/05/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A |  | N/A | No |
|  | 20250763 |  |  | 32696761 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Insufficient assets verified to meet closing and reserve requirements. |  |  |  | Reviewer Comment (2025-02-05): Documentation provided; exception cleared.<br>Seller Comment (2025-02-03): Waterfall to[Redacted] | 02/05/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A |  | N/A | No |
|  | 20250763 |  |  | 32696781 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The bottom of page 1 of the final Hud is cut off. Please provide full page to verify amount of funds required for closing. |  |  |  | Reviewer Comment (2025-02-05): Documentation provided; exception cleared.<br>Seller Comment (2025-02-03): Attached the full Final HUD. | 02/05/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A |  | N/A | No |
|  | 20250765 |  |  | 32737658 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception provided to use a business account that is a trust account. | Borrower has been employed in the same industry for more than[Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. | $[Redacted] residual income.<br>[Redacted] months reserves. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-01-31): Lender exception in file. |  |  | 01/31/2025 | 2 B |  | CA | Primary | Purchase | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250766 |  |  | 32695447 |  | 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 $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-01-23): Sufficient Cure Provided At Closing |  | 01/23/2025 |  | 1 A |  | HI | Second Home | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20250767 |  |  | 32774180 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | FTI, less than [Redacted] months landlord history, lender exception provided. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC | Reviewer Comment (2025-02-03): Lender exception in file. |  |  | 02/03/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | B A |  | N/A | No |
|  | 20250770 |  |  | 32706733 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | First time investor doing cash out loan, lender exception in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] months reserves.<br>Fico is[Redacted] points above guideline minimum. | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-01-24): Lender exception in file. |  |  | 01/24/2025 | 2 B |  | GA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 20250772 |  |  | 32711123 |  | 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 $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-01-27): Sufficient Cure Provided At Closing |  | 01/27/2025 |  | 1 A |  | VA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 20250774 |  |  | 32733805 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy amount is blank. The Final policy was not provided. |  |  |  | Reviewer Comment (2025-02-11): Received and associated Supplemental Title preliminary title policy amount [Redacted]. Exception cleared.<br>Seller Comment (2025-02-10): Attached the Correct Supplemental report. | 02/11/2025 |  |  | 1 B A |  | CA | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250774 |  |  | 32754244 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing [Redacted] month housing history for current residence/subject property. |  |  |  | Reviewer Comment (2025-02-27): Documentation provided; exception cleared.<br>Seller Comment (2025-02-27): Attached the VOM to complete the [Redacted] month mortgage history. | 02/27/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250774 |  |  | 32754309 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower [Redacted] does not meet tradeline requirement, lender exception in file. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly mortgage payment has decreased by at least [Redacted]%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | $[Redacted] residual income.<br>[Redacted] months reserves.<br>Fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-01-31): Lender exception in file. |  |  | 01/31/2025 | 2 B |  | CA | Primary | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250777 |  |  | 32829290 |  | 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 - Insurance Binder Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Fee was added without a VCC. |  |  |  | Reviewer Comment (2025-02-04): [Redacted]received corrected PCCD and LOE moving the fee from section B to C.<br>Buyer Comment (2025-02-03): See uploaded email regarding fee changes made on PCCD<br>Reviewer Comment (2025-01-30): [Redacted]Received Corrected PCCD; however, LOE not provided. Provide LOE describing the changes made on PCCD.<br>Buyer Comment (2025-01-29): See Uploaded PCCD | 02/04/2025 |  |  | 1 A |  | TN | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
|  | 20250778 |  |  | 32829224 |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Per the appraisal, the subject is rented. Please provide lease agreements for both units. |  |  |  | Reviewer Comment (2025-01-27): Received and associated lease agreement. Exception cleared.<br>Buyer Comment (2025-01-24): See lease documents<br>Reviewer Comment (2025-01-23): Please Provide lease agreement for both units of the subject property as required per guidelines. Exception remains.<br>Buyer Comment (2025-01-21): see docs provided | 01/27/2025 |  |  | 1 C A |  | WA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
|  | 20250779 |  |  | 32829226 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower is currently [Redacted] and unable to document [Redacted] months of rental receipt, lender exception in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] months reserves.<br>LTV is [Redacted] below guide max.<br>Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-01-24): Lender exception in file. |  |  | 01/24/2025 | 2 B |  | NY | Investment | Purchase | B A |  | N/A | No |
|  | 20250780 |  |  | 32829211 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception provided for borrower currently living rent free and is unable to document [Redacted] months of rental receipt. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] months reserves<br>Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-01-09): Lender exception in file. |  |  | 01/09/2025 | 2 B |  | NY | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 20250781 |  |  | 32829255 |  | Compliance | Loan Package Documentation | Loan File | Incomplete File | (Missing Doc) Incomplete loan images/file |  | Missing bank statements, UW income worksheet |  |  |  | Reviewer Comment (2024-12-11): Documentation provided. | 12/11/2024 |  |  | 1 D A |  | AZ | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 20250781 |  |  | 32829257 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Divorce Decree / Child Support not provided |  | The file is missing a copy of a Divorce Decree / Child Support documentation to verify monthly child spupport expense. |  |  |  | Reviewer Comment (2024-12-23): Received and associated Child Support document. Exception cleared.<br>Buyer Comment (2024-12-19): See divorce decree | 12/23/2024 |  |  | 1 C A |  | AZ | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 20250781 |  |  | 32829259 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Documented qualifying Assets for Closing of $[Redacted] is less than Cash From Borrower $[Redacted]. Business funds were used for closing. Require borrower statement or CPA letter stating use of Business funds will not negatively affect the Business. |  |  |  | Reviewer Comment (2024-12-26): Received and associated LOE from borrower stating that use of business funds will not have a negative impact on the business. Exception cleared.<br>Buyer Comment (2024-12-24): See lox | 12/26/2024 |  |  | 1 C A |  | AZ | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 20250781 |  |  | 32829260 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing Mortgage Statement |  |  |  | Reviewer Comment (2024-12-18): Received and associated Mortgage statement for [Redacted]. Exception cleared.<br>Buyer Comment (2024-12-18): See docs provided | 12/18/2024 |  |  | 1 C A |  | AZ | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 20250781 |  |  | 32829261 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing Tax verification. |  |  |  | Reviewer Comment (2025-01-16): Received and associated Tax Verification document for [Redacted]. Exception cleared.<br>Buyer Comment (2025-01-15): See tax docs<br>Reviewer Comment (2025-01-14): Please Provide Tax verification document for Parcel [Redacted] address. Exception remains.<br>Buyer Comment (2025-01-13): See doc provided<br>Reviewer Comment (2024-12-31): Please provide tax verification and HOA for [Redacted] as per final [Redacted] for [Redacted]. Exception remains.<br>Buyer Comment (2024-12-27): Taxes are escrowed per the mortgage statement that was sent in. Please review<br>Reviewer Comment (2024-12-26): Please provide Tax verification, and HOA for Parcel [Redacted],Mead, [Redacted] as per final [Redacted]. Exception remains.<br>Buyer Comment (2024-12-24): See docs provided<br>Reviewer Comment (2024-12-18): Please provide Tax verification, Hazard Insurance and HOA for [Redacted] Exception remains<br>Buyer Comment (2024-12-17): please see attached statement | 01/16/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 20250781 |  |  | 32829262 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Missing [Redacted] month housing history from borrower's current primary. Per guides, provide a VOR from property management company, or if private, provide lease agreement and [Redacted] months bank statements or cancelled checks to verify [Redacted] month history. |  |  |  | Reviewer Comment (2024-12-26): Received and associated Verification of Rent (VOR). Exception Cleared.<br>Buyer Comment (2024-12-24): See VOR provided | 12/26/2024 |  |  | 1 C A |  | AZ | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 20250783 |  |  | 32829201 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  | Reviewer Comment (2024-12-26): Documentation provided; exception cleared.<br>Buyer Comment (2024-12-23): Title showing [Redacted]. | 12/26/2024 |  |  | 1 B A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 20250783 |  |  | 32829202 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide evidence borrower has [Redacted] month history of owning and managing rental property in last [Redacted] years. |  |  |  | Reviewer Comment (2025-01-22): Documentation provided; exception cleared.<br>Buyer Comment (2025-01-17): LOX attached | 01/22/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 20250785 |  |  | 32829270 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Approval not provided |  | Approval document is missing in the file. |  |  |  | Reviewer Comment (2025-01-13): Received and associated Loan Underwriting and Transmittal Summary [Redacted]/ MCAW document. Exception Cleared.<br>Buyer Comment (2025-01-10): [Redacted] | 01/13/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 20250785 |  |  | 32829273 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing third party verification dated within [Redacted] days prior to the Note date. |  |  |  | Reviewer Comment (2025-01-21): Documentation provided; exception cleared.<br>Buyer Comment (2025-01-16): VOE | 01/21/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 20250786 |  |  | 32829229 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Total cash-out discrepancy. | HUD-1 total cash-out of ___ is greater than Guideline total cash-out of ___. | Max cash in hand per guidelines is $[Redacted]. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | SitusAMC,Aggregator<br>SitusAMC | Reviewer Comment (2025-01-29): The client elects to waive.<br>Buyer Comment (2025-01-28): See uploaded approved exception |  |  | 01/29/2025 | 2 C B |  | NJ | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 20250787 |  |  | 32829221 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided |  | Missing rider for prepayment. |  |  |  | Reviewer Comment (2025-01-31): Documentation provided; exception cleared.<br>Buyer Comment (2025-01-30): See Uploaded PPP Rider | 01/31/2025 |  |  | 1 C A |  | NY | Investment | Purchase | C B A |  | N/A | No |
|  | 20250787 |  |  | 32829222 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception provided for not having ownership however is obligated on the mortgage therefore not living rent free. Guidelines require the borrower to own a primary, rent a primary, or live rent free. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] months reserves<br>Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-01-17): Lender exception in file. |  |  | 01/17/2025 | 2 B |  | NY | Investment | Purchase | C B A |  | N/A | No |
|  | 20250790 |  |  | 32829215 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal was made "subject to" and Form 1004D/442 was not provided. |  |  |  |  |  | Reviewer Comment (2025-01-13): Received and associated Final Inspection / [Redacted] document. Exception Cleared.<br>Buyer Comment (2025-01-10): See Uploaded Form [Redacted] | 01/13/2025 |  |  | 1 C A |  | OH | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 20250791 |  |  | 32829285 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Validation of the legitimacy of the CPA is missing. |  |  |  | Reviewer Comment (2025-01-24): Documentation provided; exception cleared.<br>Buyer Comment (2025-01-23): PTIN verification | 01/24/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20250792 |  |  | 32829299 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted]exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-01-15): Sufficient Cure Provided At Closing |  | 01/15/2025 |  | 1 A |  | GA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 20250792 |  |  | 32829302 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [Redacted] |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-01-22): Received secondary valuation CDA with value [Redacted]. Exception Cleared.<br>Buyer Comment (2025-01-21): CDA | 01/22/2025 |  |  | 1 D A |  | GA | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 20250792 |  |  | 32829303 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for three months cash rent payments, however a [Redacted] month history is required. Please provide the additional verifications for the other [Redacted] months rental history. |  |  |  | Reviewer Comment (2025-01-23): Documentation provided; exception cleared.<br>Buyer Comment (2025-01-21): VOR | 01/23/2025 |  |  | 1 C A |  | GA | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 20250793 |  |  | 32829306 |  | 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 ([Redacted]) business days of application. | Loan Estimate dated [Redacted] was provided more than three ([Redacted]) business days after application date of [Redacted]. |  |  |  | Reviewer Comment (2025-01-23): [Redacted] received LOE, corrected application date as per [Redacted]with all [Redacted] pieces of information.<br>Buyer Comment (2025-01-22): [Redacted] dated [Redacted] has a subject property address of: TBD, to be determined. Does not qualify as an application date. Please clear.<br>Reviewer Comment (2025-01-21): The timing for the LE under [Redacted]. [Redacted](e) [Redacted](iii) is three business days from application. Initial LE issued [Redacted]. On this loan, the LE should have been issued within [Redacted] business days of the broker application date of [Redacted].<br>Buyer Comment (2025-01-16): LOE and tracking | 01/23/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20250793 |  |  | 32829308 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The file was missing a copy of the[Redacted] month Business Account Statement |  |  |  | Reviewer Comment (2025-01-24): Received and associated business bank statements from [Redacted] [Redacted] for the month of July [Redacted]. Exception cleared.<br>Buyer Comment (2025-01-22): [Redacted]banking statement uploaded to [Redacted]. | 01/24/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20250793 |  |  | 32829310 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  | The file was missing a copy of the[Redacted] month business account statement |  |  |  | Reviewer Comment (2025-01-24): Received and associated business bank statements from [Redacted] [Redacted] for the month of July [Redacted]. Exception cleared.<br>Buyer Comment (2025-01-22): July banking statement uploaded to [Redacted] | 01/24/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20250793 |  |  | 32829311 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]. |  |  |  | Reviewer Comment (2025-01-31): Documentation provided; exception cleared.<br>Buyer Comment (2025-01-30): Source of large deposit<br>Buyer Comment (2025-01-30): Transaction history<br>Buyer Comment (2025-01-30): LOE<br>Reviewer Comment (2025-01-16): Please provide additional asset to meet PITIA Reserves months of [Redacted], as per calculation PITIA reserves months is [Redacted]. Exception remains.<br>Buyer Comment (2025-01-16): Uploaded to [Redacted] | 01/31/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20250793 |  |  | 32829312 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank 2014): Guidelines require [Redacted]or more consecutive months bank statements. | Missing evidence of receipt of gift funds via wire, check, etc. |  |  |  | Reviewer Comment (2025-01-31): Documentation provided; exception cleared.<br>Buyer Comment (2025-01-30): Asset docs uploaded to [Redacted]<br>Reviewer Comment (2025-01-24): Insufficient assets to meet reserve requirement.<br>Buyer Comment (2025-01-22): [Redacted] banking statement<br>Reviewer Comment (2025-01-21): Missing [Redacted] business bank statements.<br>Buyer Comment (2025-01-16): Gift docs | 01/31/2025 |  |  | 1 B A C |  | AZ | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
|  | 20250793 |  |  | 32829313 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Investor Guidelines | Ability to Repay (Dodd-Frank 2014): Guidelines require [Redacted]or more consecutive months bank statements. | Loan is at ATR risk due to insufficient reserves. |  |  |  | Reviewer Comment (2025-01-31): Documentation provided; exception cleared.<br>Buyer Comment (2025-01-30): Asset docs uploaded to [Redacted]<br>Reviewer Comment (2025-01-24): Insufficient assets to meet reserve requirement.<br>Buyer Comment (2025-01-22): [Redacted] banking statement uploaded to [Redacted] | 01/31/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20250793 |  |  | 32829315 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Missing documentation reflecting source of gift funds. |  |  |  | Reviewer Comment (2025-01-21): Documentation provided; exception cleared. | 01/21/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20250793 |  |  | 32829316 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing twelve month housing pay history for primary residence. Based on bank statements which reflect $[Redacted] rent amount in file the longest pay history spans from [Redacted] to [Redacted]. Pay history is missing [Redacted], [Redacted], and [Redacted]. |  |  |  | Reviewer Comment (2025-01-21): Documentation provided; exception cleared.<br>Buyer Comment (2025-01-16): LOE, check, and evidence it cleared | 01/21/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20250795 |  |  | 32829206 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  |  |  |  | Reviewer Comment (2025-01-17): Documentation provided; exception cleared.<br>Reviewer Comment (2025-01-14): Please provide Corporation Resolution document with all details for [Redacted]. Exception remains.<br>Buyer Comment (2025-01-13): Personal Guarantee<br>Buyer Comment (2025-01-13): Operating agreement showing sole member | 01/17/2025 |  |  | 1 C A |  | DE | Investment | Purchase | C A |  | N/A | No |
|  | 20250795 |  |  | 32829208 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  |  |  |  |  | Reviewer Comment (2025-01-09): Received and associated Note Addendum - Prepayment. Exception cleared.<br>Buyer Comment (2025-01-08): Prepayment Addendum | 01/09/2025 |  |  | 1 C A |  | DE | Investment | Purchase | C A |  | N/A | Yes |
|  | 20250797 |  |  | 32829293 |  | 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. |  | The Title Commitment or Preliminary title policy amount is blank. A Final policy was not provided. |  |  |  | Reviewer Comment (2025-01-14): Received and associated Title Commitment with title policy amount [Redacted]. Exception cleared.<br>Buyer Comment (2025-01-14): attached<br>Buyer Comment (2025-01-14): Title with loan amount | 01/14/2025 |  |  | 1 C A |  | WI | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20250797 |  |  | 32829294 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Missing [Redacted] month Verification of Rent for current primary. |  |  |  | Reviewer Comment (2025-01-16): Documentation provided; exception cleared.<br>Buyer Comment (2025-01-15): VOR | 01/16/2025 |  |  | 1 C A |  | WI | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20250798 |  |  | 32829281 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure:[Redacted] Fee Tolerance exceeded for Credit Report Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-01-08): Sufficient Cure Provided At Closing |  | 01/08/2025 |  | 1 A |  | TX | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 20250799 |  |  | 32829264 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-01-15): Received and associated E-sign Agreement document. Exception cleared.<br>Buyer Comment (2025-01-14): see docs provided<br>Reviewer Comment (2025-01-09): Please provide E-Sign Consent Agreement within three [Redacted] business days of Creditor Application Date. Exception remains<br>Buyer Comment (2025-01-08): see doc provided | 01/15/2025 |  |  | 1 C A |  | AR | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20250799 |  |  | 32829266 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-01-02): Sufficient Cure Provided At Closing |  | 01/02/2025 |  | 1 A |  | AR | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 20250799 |  |  | 32829267 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing verification of borrower's percentage of business ownership. |  |  |  | Reviewer Comment (2025-01-09): Received and associated LOE for [Redacted]. Exception cleared.<br>Buyer Comment (2025-01-08): see docs provided | 01/09/2025 |  |  | 1 C A |  | AR | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20250799 |  |  | 32829268 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | Please provide E-Sign Consent Agreement within three ([Redacted]) business days of Creditor Application Date. Exception remains |  |  |  | Reviewer Comment (2025-01-23): Received and associated E-sign Agreement document. Exception cleared.<br>Buyer Comment (2025-01-22): See docs provided<br>Reviewer Comment (2025-01-15): The eSign Agreement provided is a generic form and it does not reflect that the borrower consented to electronically signing the loan documents. The only docusign log provided is dated [Redacted] the day of closing but the borrower e-signed the initial LE on [Redacted].<br>Buyer Comment (2025-01-14): see docs provided | 01/23/2025 |  |  | 1 A |  | AR | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20250801 |  |  | 32829210 |  | 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: ___<br> Disaster Declaration Date: ___ |  | Property inspected post disaster but pre-FEMA declaration of disaster end date. | Property inspected post disaster but pre-FEMA declaration of disaster end date. Date of disaster: [Redacted]. | SitusAMC | Reviewer Comment (2025-02-03): Property inspected after declaration date, prior to end date. |  |  | 02/03/2025 | 2 B |  | CA | Investment | Purchase | A B |  | N/A | No |
|  | 20250803 |  |  | 32829218 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-01-23): Received and associated Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-01-22): See docs provided | 01/23/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A |  | N/A | No |
|  | 20250807 |  |  | 33091151 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-03-17): Final title provided, exception cleared. | 03/17/2025 |  |  | 1 A |  | MA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 20250807 |  |  | 33091152 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  | The Title Policy Amount of $[Redacted] is less than the note amount of $[Redacted] based on the Commitment in file. |  |  |  | Reviewer Comment (2025-03-17): Final title provided, exception cleared.<br>Buyer Comment (2025-03-13): see docs provided | 03/17/2025 |  |  | 1 B A |  | MA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 20250807 |  |  | 33091155 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | [Redacted] Business Narrative or a similar form is required |  |  |  | Reviewer Comment (2025-03-17): Documentation provided; exception cleared.<br>Buyer Comment (2025-03-13): see docs provided | 03/17/2025 |  |  | 1 C A |  | MA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 20250808 |  |  | 33005321 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing [Redacted] months proof of monthly payments for private mortgage being paid off on subject, FM lender exception in file however missing lender exception from [Redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] months reserves.<br>Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-02-25): Lender exceptions in file.<br>Buyer Comment (2025-02-24): Exception approval |  |  | 02/25/2025 | 2 C B |  | CT | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 20250809 |  |  | 33005325 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception provided for not showing [Redacted] months proof of monthly payments for the private mortgage being paid off, missing lender exception from [Redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] months reserves.<br>Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-02-27): Lender exception in file.<br>Buyer Comment (2025-02-26): Arc exception approval |  |  | 02/27/2025 | 2 C B |  | CT | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 20250810 |  |  | 33057009 |  | 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 ([Redacted]) business days prior to closing. | Closing Disclosure not provided to Borrower at least three business days prior to closing. |  |  |  | Reviewer Comment (2025-03-05): [Redacted] received initial CD.<br>Buyer Comment (2025-03-05): see docs provided | 03/05/2025 |  |  | 1 C A |  | MN | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
|  | 20250811 |  |  | 33125673 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Missing [Redacted] month rental history, if borrower rents from private landlord, lease and cancelled checks or bank statements required. |  |  |  | Reviewer Comment (2025-03-17): Documentation provided; exception cleared.<br>Buyer Comment (2025-03-13): See docs provided | 03/17/2025 |  |  | 1 C A |  | NC | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20250812 |  |  | 33125661 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | An [Redacted] lender approved exception for the use of alternative documentation for self employment income verification was provided, however missing lender exception from [Redacted]. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Employed more than [Redacted] yrs<br>$[Redacted] residual income.<br>[Redacted] months reserves.<br>Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-03-13): Lender exceptions in file.<br>Buyer Comment (2025-03-12): see docs provided |  |  | 03/13/2025 | 2 C B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20250814 |  |  | 33220226 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Interest Only not provided |  |  |  |  |  | Reviewer Comment (2025-04-02): Received and associated Interest Only Note. Exception cleared.<br>Buyer Comment (2025-04-02): Please re-review, documentation uploaded again. All documentation provided, COC, Interest-Only Note and PCCD.<br>Reviewer Comment (2025-03-31): No interest only documentation in note. PCCD showing in current loan file not int only loan. No new documents located in the loan file.<br>Buyer Comment (2025-03-28): See uploaded PCCD, COC and Interest Only Note | 04/02/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20250814 |  |  | 33220227 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Final Closing Disclosure Principal and Interest Change After Closing Testing | TILA-RESPA Integrated Disclosure - Loan Terms: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the Principal and Interest Payment can change. | Loan approved as Interest Only. Final Closing Disclosure is missing Interest Only Terms. |  |  |  | Reviewer Comment (2025-04-04): [Redacted]received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2025-04-02): Please re-review, documentation uploaded again. All documentation provided, COC, Interest-Only Note and PCCD attached to condition [Redacted]<br>Reviewer Comment (2025-03-31): No interest only documentation in note. PCCD showing in current loan file not int only loan. No new documents located in the loan file.<br>Buyer Comment (2025-03-28): See uploaded PCCD, COC and Interest Only Note |  | 04/04/2025 |  | 2 C B |  | AZ | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
|  | 20250814 |  |  | 33220228 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Feature Test | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on [Redacted] did not disclose a Product Feature for a loan that contains a product feature. | Loan approved as Interest Only. Final Closing Disclosure is missing Interest Only Terms. |  |  |  | Reviewer Comment (2025-04-04): [Redacted]received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2025-04-02): Please re-review, documentation uploaded again. All documentation provided, COC, Interest-Only Note and PCCD attached to condition[Redacted]<br>Reviewer Comment (2025-03-31): No interest only documentation in note. PCCD showing in current loan file not int only loan. No new documents located in the loan file.<br>Buyer Comment (2025-03-28): See uploaded PCCD, COC and Interest Only Note |  | 04/04/2025 |  | 2 C B |  | AZ | Primary | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
|  | 20250814 |  |  | 33220229 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception for less than [Redacted] years self-employment history. Approval in file. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] months reserves.<br>LTV/CLTV is [Redacted]% below guideline max.<br>LTV/CLTV is [Redacted]% below guideline max.<br>Fico is [Redacted]points above guideline minimum. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-03-28): Lender exception in file. |  |  | 03/28/2025 | 2 B |  | AZ | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20250814 |  |  | 33220230 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Product Testing | TILA-RESPA Integrated Disclosure - General Information: Final Closing Disclosure provided on [Redacted] disclosed a Product that does not match the actual product for the loan. Additional AIR/AP table failures could apply for loans with an adjustable rate or adjustable payment with incorrect Product disclosure. | Final CD did not disclose correct product |  |  |  | Reviewer Comment (2025-04-04): [Redacted]received Letter of Explanation & Corrected Closing Disclosure. | 04/04/2025 |  |  | 1 A |  | AZ | Primary | Purchase | TRID Timing exception, no remediation available. C B A | Non QM | Non QM | No |
|  | 20250816 |  |  | 33005303 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  | The file is missing a copy of E-sign consent agreement. |  |  |  | Reviewer Comment (2025-03-05): Received and associated E-sign Consent Agreement document. Exception cleared.<br>Buyer Comment (2025-03-05): E-Consent | 03/05/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 20250817 |  |  | 33318449 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan is failing QM points and fees. |  |  |  | Reviewer Comment (2025-04-16): Documentation provided; exception cleared.<br>Reviewer Comment (2025-04-11): The definition of a " [Redacted]" is "an amount equal to [Redacted]percent of the loan amount paid by the consumer that reduces the interest rate or time-price differential applicable to the transaction based on a calculation that is consistent with established industry practices for determining the amount of reduction in the interest rate or time-price differential appropriate for the amount of discount points paid by the consumer." So while discount points paid to reduce the rate may be eligible for exclusion, any points paid by the consumer to obtain the undiscounted starting rate is not considered excludable from QM points and fees. We will subtract these points from the actual discount points (used for the express purpose of reducing the rate) to determine those points that may be considered for exclusion as bona fide. Given the undiscounted price they provided was [Redacted]% and the discount points paid for reducing the rate is [Redacted]%, there are no points leftover to consider for exclusion. Please confirm the undiscounted price, for obtaining the undiscounted rate of [Redacted]%, is actually [Redacted] ([Redacted]).<br>Buyer Comment (2025-04-09): Lender point and fees test uploaded to [Redacted]<br>Buyer Comment (2025-04-01): Rate and pricing<br>Reviewer Comment (2025-03-27): It appears the lender excluded discount points, however in order to test whether any discount points can be considered bona fide and excludable, we need the rate set date, the undiscounted (starting adjusted) rate, and the undiscounted rate price.<br> In order to evaluate whether any discount points were bona fide and excludable, we review the following:<br> A: Undiscounted/Starting Adjusted Interest Rate: The rate available to the consumer based on a consumer's profile and loan characteristics (after any adjustments for LTV, FICO, etc).<br> B: Undiscounted/Starting Adjusted Interest Rate Price: The percentage of the total Discount Points that were paid to bring the rate to the Undiscounted/Par interest rate. This is the actual amount of discount points that would be paid by the borrower to obtain the starting adjusted rate as described above. This does NOT include the percentage of the Discount Points on the CD that were actually paid to buy down the Note rate from the Starting Adjusted Rate.<br>Note that a discount point is "bona fide" if it reduces the consumer's interest rate by an amount that reflects established industry practices, such as secondary mortgage market norms ([Redacted]defaults to [Redacted]% and the client selected default setting for this deal is [Redacted]%).<br>Bona fide discount point exclusion:<br> • Exclude up to [Redacted]bona fide discount points if the interest rate before the discount does not exceed the APOR for a comparable transaction by more than [Redacted]percentage point; or <br> • Exclude up to [Redacted] bona fide discount point if the interest rate before the discount does not exceed the APOR for a comparable transaction by more than [Redacted]percentage points.<br>Buyer Comment (2025-03-26): see docs provided | 04/16/2025 |  |  | 1 B A C |  | VA | Second Home | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20250817 |  |  | 33318450 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank [Redacted]): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted]on a Federal Total Loan Amount of $[Redacted]vs. an allowable total of $[Redacted] (an overage of $[Redacted]or .[Redacted]%). | Provide the undiscounted rate and undiscounted price. |  |  |  | Reviewer Comment (2025-04-16): Documentation provided; exception cleared.<br>Reviewer Comment (2025-04-11): The definition of a " [Redacted]" is "an amount equal to [Redacted]percent of the loan amount paid by the consumer that reduces the interest rate or time-price differential applicable to the transaction based on a calculation that is consistent with established industry practices for determining the amount of reduction in the interest rate or time-price differential appropriate for the amount of discount points paid by the consumer." So while discount points paid to reduce the rate may be eligible for exclusion, any points paid by the consumer to obtain the undiscounted starting rate is not considered excludable from QM points and fees. We will subtract these points from the actual discount points (used for the express purpose of reducing the rate) to determine those points that may be considered for exclusion as bona fide. Given the undiscounted price they provided was [Redacted]nd the discount points paid for reducing the rate is [Redacted]%, there are no points leftover to consider for exclusion. Please confirm the undiscounted price, for obtaining the undiscounted rate of [Redacted], is actually [Redacted] ([Redacted]).<br>Buyer Comment (2025-04-09): Points and fees test<br>Buyer Comment (2025-04-01): Rate and pricing uploaded to [Redacted]<br>Reviewer Comment (2025-03-27): It appears the lender excluded discount points, however in order to test whether any discount points can be considered bona fide and excludable, we need the rate set date, the undiscounted (starting adjusted) rate, and the undiscounted rate price.<br> In order to evaluate whether any discount points were bona fide and excludable, we review the following:<br> A: Undiscounted/Starting Adjusted Interest Rate: The rate available to the consumer based on a consumer's profile and loan characteristics (after any adjustments for LTV, FICO, etc).<br> B: Undiscounted/Starting Adjusted Interest Rate Price: The percentage of the total Discount Points that were paid to bring the rate to the Undiscounted/Par interest rate. This is the actual amount of discount points that would be paid by the borrower to obtain the starting adjusted rate as described above. This does NOT include the percentage of the Discount Points on the CD that were actually paid to buy down the Note rate from the Starting Adjusted Rate.<br>Note that a discount point is "bona fide" if it reduces the consumer's interest rate by an amount that reflects established industry practices, such as secondary mortgage market norms ([Redacted]defaults to [Redacted]% and the client selected default setting for this deal is [Redacted]%).<br>Bona fide discount point exclusion:<br> • Exclude up to [Redacted]bona fide discount points if the interest rate before the discount does not exceed the APOR for a comparable transaction by more than [Redacted]percentage point; or <br> • Exclude up to [Redacted]bona fide discount point if the interest rate before the discount does not exceed the APOR for a comparable transaction by more than [Redacted]percentage points.<br>Buyer Comment (2025-03-26): See docs provided | 04/16/2025 |  |  | 1 C A |  | VA | Second Home | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250817 |  |  | 33318452 |  | 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 $[Redacted] exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | [Redacted] Percent Fee Tolerance exceeded. Total amount of $[Redacted]exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-04-03): [Redacted]received CD dated [Redacted] and COC.<br>Buyer Comment (2025-04-01): CD for [Redacted]<br>Reviewer Comment (2025-03-28): [Redacted]received changed circumstance dated [Redacted], but a corresponding CD was not provided. Please provide CD for further analysis.<br>Buyer Comment (2025-03-26): See coc provided | 04/03/2025 |  |  | 1 C A |  | VA | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20250818 |  |  | 33005341 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Bank statements from Santander accounts ending with #[Redacted]and #[Redacted]are not available in file. |  |  |  | Reviewer Comment (2025-03-04): Asset documentation provided, exception cleared.<br>Buyer Comment (2025-03-03): Bank statement | 03/04/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Rate/Term | C A |  | N/A | No |
|  | 20250819 |  |  | 33183062 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | An Arc lender exception was provided to allow time vested in [Redacted] to be counted towards cash out seasoning, however the lender exception is cut off. Unable to read all commentary. Also, loan is rate/term refinance, please verify this lender exception is applicable. Last, please provide a lender exception from Guaranteed Rate as well. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted]years.<br>Borrower's monthly mortgage payment has decreased by at least [Redacted]%.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The refinance has decreased the borrower's monthly debt payments by [Redacted]% or more.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted]points. | [Redacted] months reserves.<br>LTV/CLTV is [Redacted]% below guideline max.<br>LTV/CLTV is [Redacted]% below guideline max. | SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-03-19): Lender exception in file.<br>Buyer Comment (2025-03-18): See docs provided |  |  | 03/19/2025 | 2 C B |  | NJ | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
|  | 20250820 |  |  | 33109731 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-03-25): Sufficient Cure Provided At Closing |  | 03/25/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20250822 |  |  | 33220142 |  | 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 $1,800.00 exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Valid COC is not available for Appraisal Fee. |  |  |  | Reviewer Comment (2025-04-04): [Redacted]received Letter of Explanation, Proof of Delivery, Refund check & Corrected CD<br>Reviewer Comment (2025-04-03): [Redacted] received cure documents for cure of [Redacted] however, the changed circumstance for the first increase for the addition of the 2nd appraisal should be further documented to support the increase and need for 2nd appraisal requirement triggered within [Redacted]days of the [Redacted] LE. Documenting the lender's trigger date of knowledge of the 2nd appraisal requirement should be supported, as initial LE confirms loan amount was over [Redacted] and did not increase. Please provide supporting documents or additional cure of[Redacted] is required.<br>Buyer Comment (2025-04-01): Refund Check<br>Buyer Comment (2025-04-01): Refund LOX<br>Buyer Comment (2025-04-01): Proof of Mailing<br>Buyer Comment (2025-04-01): PCCD dated [Redacted]<br>Buyer Comment (2025-04-01): LE and COC<br>Reviewer Comment (2025-03-20): The changed circumstance for the first increase for the addition of the [Redacted] appraisal should be further documented to support the increase and need for [Redacted]appraisal requirement triggered within [Redacted]days of the [Redacted] LE. Documenting the lender's trigger date of knowledge of the 2nd appraisal requirement should be supported, as initial LE confirms loan amount was over[Redacted] and did not increase. As for the increase from [Redacted] to[Redacted], we cannot accept reason that lender received the quote. Would require documentation that supports lender's knowledge of the quote increase and reasons for why fee is being increased. An invoice receipt is not acceptable documentation. If lender received information from appraiser indicating certain conditions not reasonably known to the creditor after exercising diligence on [Redacted] or within [Redacted] days of [Redacted] that would support an increase in the appraisal costs (i.e. property in rural area, special access requirements, etc that would require additional appraisal costs), then this could be a valid changed circumstance but additional supporting documentation is required to determine. System notes, conversation logs, appraiser communications can help support the timeline and lender's knowledge of the fee changes.<br>Reviewer Comment (2025-03-20): EXCEPTION HISTORY - Exception Detail was updated on[Redacted] PRIOR Exception Detail: TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [Redacted] exceeds tolerance of [Redacted]. Insufficient or no cure was provided to the borrower. [Redacted]<br>Reviewer Comment (2025-03-18): TRID Grid [Redacted], additional considerations, row [Redacted]) the date of the changed circumstance (i.e. the date the creditor received information sufficient to establish that one of the reasons for revision provided under [Redacted](e)([Redacted])(iv)(A) through (F) has occurred)...Provided documentation indicates the inclusion of the second appraisal, as policy, when the first appraisal is completed. Please Clarify, was the second appraisal ordered based on the results of the initial appraisal that would indicate a need for a second appraisal fee, in which case please provide a reason for the requirement, or were the loan amount and underwriting guidelines used in this transaction already requiring a [Redacted]appraisal, in which case the need for the fee was known but not disclosed at initial disclosure and a cure is required?<br>Reviewer Comment (2025-03-18): [Redacted] received LOX for rebuttal response indicates that "[Redacted] received the quote for 2nd investor required appraisal on [Redacted]". however there seems to be no documentation in the loan file of the investor request. Please provide documentation of the reason for the increase in the appraisal fee What information was received that required the increase in the fee and when was that information received, or Cure would be due to borrower.<br>Buyer Comment (2025-03-14): See lender provided LOX<br>Reviewer Comment (2025-03-12): [Redacted] received Changed Circumstance dated [Redacted], but it does not give sufficient information on why the Appraisal fee was increased. In order to determine if the changed circumstance is valid more information is necessary on reason fee increase and when lender became aware of the change. A valid Changed Circumstance or cure is required. Cure consists of Corrected CD, LOE to borrower, proof of mailing and copy of refund check.<br>Buyer Comment (2025-03-11): See Uploaded LE and COC |  | 04/04/2025 |  | 2 C B |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 20250823 |  |  | 33056829 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Missing donor check or wire of gift funds in the amount of $[Redacted]to title company from donor of gift. |  |  |  | Reviewer Comment (2025-03-07): Documentation provided; exception cleared. | 03/07/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
|  | 20250823 |  |  | 33056830 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Missing donor check or wire of gift funds in the amount of $[Redacted]to title company from donor of gift. |  |  |  | Reviewer Comment (2025-03-07): Documentation provided; exception cleared. | 03/07/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
|  | 20250823 |  |  | 33056831 |  | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require |  | Missing donor check or wire of gift funds in the amount of $[Redacted]to title company from donor of gift. |  |  |  | Reviewer Comment (2025-03-07): Documentation provided; exception cleared. | 03/07/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
|  | 20250823 |  |  | 33056832 |  | Credit | Business Purpose | General | Business Purpose | Insufficient funds for Reserves. |  | Missing donor check or wire of gift funds in the amount of $[Redacted] to title company from donor of gift. |  |  |  | Reviewer Comment (2025-03-07): Documentation provided; exception cleared. | 03/07/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
|  | 20250823 |  |  | 33056833 |  | Credit | Missing Document | General | Missing Document | Missing Document: Donor Check not provided |  | Missing donor check or wire of gift funds in the amount of $[Redacted] to title company from donor of gift. |  |  |  | Reviewer Comment (2025-03-07): Documentation provided; exception cleared. | 03/07/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
|  | 20250826 |  |  | 32943425 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: [Redacted] Fee Tolerance exceeded for Attorney Review Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-02-27): Sufficient Cure Provided At Closing |  | 02/27/2025 |  | 1 A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 20250829 |  |  | 33125640 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | Provide a copy of the final title policy or an addendum to the report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2025-03-11): Received and associated Title Final with title policy amount $[Redacted]. Exception cleared.<br>Buyer Comment (2025-03-10): Loan amount page [Redacted]. | 03/11/2025 |  |  | 1 B A |  | CA | Second Home | Purchase | B A | Non QM | Non QM | No |
|  | 20250829 |  |  | 33125641 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-03-11): Received and associated Title Final with title policy amount $[Redacted]. Exception cleared. | 03/11/2025 |  |  | 1 A |  | CA | Second Home | Purchase | B A | Non QM | Non QM | No |
|  | 20250830 |  |  | 33125701 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file is missing a copy of the [Redacted] |  |  |  | Reviewer Comment (2025-03-19): Documentation provided; exception cleared.<br>Buyer Comment (2025-03-18): Annual assessment of[Redacted]/ [Redacted] = [Redacted] | 03/19/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
|  | 20250831 |  |  | 33125565 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Insufficient assets verified to meet closing and reserve requirement. |  |  |  | Reviewer Comment (2025-03-12): Documentation provided; exception cleared.<br>Buyer Comment (2025-03-11): Verification of [Redacted] funds<br>Buyer Comment (2025-03-11): Settlement statement for [Redacted] exchange property<br>Buyer Comment (2025-03-11): Initial CD for [Redacted] exchange property | 03/12/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A |  | N/A | No |
|  | 20250831 |  |  | 33125566 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Insufficient assets verified to meet closing and reserve requirement. |  |  |  | Reviewer Comment (2025-03-12): Documentation provided; exception cleared.<br>Buyer Comment (2025-03-11): Additional assets uploaded to [Redacted] | 03/12/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A |  | N/A | No |
|  | 20250831 |  |  | 33125567 |  | Credit | Business Purpose | General | Business Purpose | Insufficient funds for Reserves. |  | 1031 Exchange documentation showing proceeds from sale used as an asset was not provided. |  |  |  | Reviewer Comment (2025-03-12): Documentation provided; exception cleared.<br>Buyer Comment (2025-03-11): Additional assets uploaded to [Redacted] | 03/12/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A |  | N/A | No |
|  | 20250831 |  |  | 33125568 |  | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require |  | Insufficient assets verified to meet closing and reserve requirement. |  |  |  | Reviewer Comment (2025-03-12): Documentation provided; exception cleared.<br>Buyer Comment (2025-03-11): Additional assets uploaded to [Redacted] | 03/12/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | C A |  | N/A | No |
|  | 20250831 |  |  | 33125569 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing the exchange agreement. |  |  |  | Reviewer Comment (2025-03-24): [Redacted] Agreement was provided.<br>Buyer Comment (2025-03-20): [Redacted] agreement | 03/24/2025 |  |  | 1 A |  | NJ | Investment | Purchase | C A |  | N/A | No |
|  | 20250837 |  |  | 33318441 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception for private VOM without canceled checks on an REO property. Approval in file | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. | $[Redacted]residual income.<br>[Redacted] months reserves.<br>DTI is [Redacted]% below guideline max. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-03-25): Lender exception in file. |  |  | 03/25/2025 | 2 B |  | TX | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 20250838 |  |  | 33125581 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Non-Warrantable condo with [Redacted] HOA delinquencies, lender exception in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] months reserves.<br>Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-03-17): Lender exception in file. |  |  | 03/17/2025 | 2 B |  | FL | Investment | Purchase | B A |  | N/A | No |
|  | 20250842 |  |  | 33064344 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide evidence borrower has owned and managed an REO for at least [Redacted] months in the last [Redacted] years. |  |  |  | Reviewer Comment (2025-03-19): Documentation provided; exception cleared.<br>Seller Comment (2025-03-19): Attached the LOE that evidence borrower has landlord history for at least [Redacted] months in the last[Redacted] years. | 03/19/2025 |  |  | 1 C A |  | MD | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 20250843 |  |  | 33012078 |  | 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 ([Redacted]) business days prior to closing. | Closing Disclosure not provided to Borrowe at least three business days prior to closing. |  |  |  | Reviewer Comment (2025-03-20): [Redacted] received CD dated [Redacted]<br>Seller Comment (2025-03-19): Please see attached signed ICD evidencing borrower receipt on [Redacted], which meets [Redacted] business day timing requirements. | 03/20/2025 |  |  | 1 C A |  | CA | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
|  | 20250844 |  |  | 33325269 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Stove and carpet not being installed prior to closing, lender exception in file. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | $[Redacted]K residual income.<br>[Redacted]months reserves. | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-04-24): Lender exception in file. |  |  | 04/24/2025 | 2 B |  | OH | Primary | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250846 |  |  | 33318421 |  | 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 $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Credit Report Fee. Fee Amount of [Redacted] exceeds tolerance of[Redacted]. No valid changed circumstance was provided, cure not reflected correctly on CD. |  |  |  | Reviewer Comment (2025-04-07): [Redacted] received PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-04-04): See docs provided<br>Buyer Comment (2025-04-04): See docs provided.<br>Reviewer Comment (2025-04-01): [Redacted] received true & certified copy of final closing statement, however it doesn't show cure of $[Redacted]was provided at closing. Please provide cure documents.<br>Buyer Comment (2025-03-28): See Alta statement<br>Reviewer Comment (2025-03-28): [Redacted]received updated CD and LOX for the Title fees were removed and decreased. But we also required final settlement statement to verify the Lender credit and specific fee applied the same and reevaluate this exception.<br>Buyer Comment (2025-03-26): see loe<br>Buyer Comment (2025-03-26): See pccd<br>Reviewer Comment (2025-03-23): [Redacted] received Post CD,LOX,Copy of refund check and proof of mailing for $[Redacted]however the total cure required is $[Redacted]for both Credit report and lender credit. The Final CD is reflecting cure under section J inner column for $[Redacted]however the same is not reflecting on outer column, if the cure was provided at closing, then we would require Final Alta statement in order to verify the lender credit of $[Redacted]was provided at closing or provide additional cure of $[Redacted]. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2025-03-21): See docs provided<br>Reviewer Comment (2025-03-14): [Redacted] received PCCD correcting lender credit under section J. However, missing LOE and copy of refund check as final ALTA settlement statement does not show any lender credit provided at closing.<br>Buyer Comment (2025-03-13): See docs provided<br>Reviewer Comment (2025-03-07): [Redacted]received rebuttal that cure was provided at closing. However, the final CD shows he cure amount of $[Redacted]under inner column of section J but not updated in outer column. Also, ALTA final SS shows the credit report fee of $[Redacted]is paid by borrower. Cure is required. Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check.<br>Buyer Comment (2025-03-06): Cure was provided at closing at bottom of page [Redacted]of final CD. |  | 04/07/2025 |  | 2 C B |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 20250846 |  |  | 33318422 |  | 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 $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Page 1 of the final CD does not reflect a lender credit, page 2 reflects a cure of [Redacted]. |  |  |  | Reviewer Comment (2025-04-07): [Redacted]received PCCD, LOE, copy of refund check and proof of mailing.<br>Buyer Comment (2025-04-04): See docs provided<br>Reviewer Comment (2025-03-28): [Redacted] received updated CD and LOX for the Title fees were removed and decreased. But we also required final settlement statement to verify the Lender credit and specific fee applied the same and reevaluate this exception.<br>Buyer Comment (2025-03-26): See loe<br>Reviewer Comment (2025-03-23): [Redacted]received Post CD,LOX,Copy of refund check and proof of mailing for $[Redacted]however the total cure required is $[Redacted]for both Credit report and lender credit. The Final CD is reflecting cure under section J inner column for $[Redacted]however the same is not reflecting on outer column, if the cure was provided at closing, then we would require Final Alta statement in order to verify the lender credit of $[Redacted] was provided at closing or provide additional cure of $[Redacted]. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2025-03-21): See docs provided<br>Reviewer Comment (2025-03-14): [Redacted]received PCCD correcting lender credit under section J. However, missing LOE and copy of refund check as final ALTA settlement statement does not show any lender credit provided at closing.<br>Buyer Comment (2025-03-13): See docs provided<br>Reviewer Comment (2025-03-07): [Redacted]received rebuttal that cure was provided at closing. However, the final CD shows he cure amount of $[Redacted]under inner column of section J but not updated in outer column. Also, ALTA final SS shows the credit report fee of $[Redacted]is paid by borrower. Cure is required. Cure requirements include LOE, corrected CD, proof of mailing and copy of refund check.<br>Buyer Comment (2025-03-06): Cure was provided at closing at bottom of page 2 of final CD. |  | 04/07/2025 |  | 2 C B |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 20250957 |  |  | 33125688 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-03-18): Received and associated Title Final with title policy amount [Redacted]. Exception cleared. | 03/18/2025 |  |  | 1 A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20250957 |  |  | 33125689 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Reviewer Comment (2025-03-18): Received and associated Title Final with title policy amount [Redacted]. Exception cleared.<br>Buyer Comment (2025-03-18): Title | 03/18/2025 |  |  | 1 B A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20250957 |  |  | 33125690 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Loan Underwriting and Transmittal Summary (1008) / MCAW not provided |  |  |  |  |  | Reviewer Comment (2025-03-18): Received and associated Loan Underwriting and Transmittal Summary ([Redacted]) / MCAW document. Exception cleared.<br>Buyer Comment (2025-03-18): [Redacted] | 03/18/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20250957 |  |  | 33125694 |  | 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 $[Redacted] exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | [Redacted] tolerance was exceeded by $[Redacted] due to increase of recording fee. No valid COC provided, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-03-20): [Redacted]received COC dated [Redacted] for increase in recording fee.<br>Buyer Comment (2025-03-18): COC | 03/20/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
|  | 20250963 |  |  | 33318462 |  | 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 $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. No valid changed circumstance was provided. No cure was provided to the Borrower. |  |  |  | Reviewer Comment (2025-04-08): [Redacted]received a valid COC.<br>Buyer Comment (2025-04-07): CoC<br>Buyer Comment (2025-04-07): Loan Estimate [Redacted] | 04/08/2025 |  |  | 1 C A |  | OH | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
|  | 20250966 |  |  | 33356363 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Policy coverage shortfall of $[Redacted]. Provide updated policy reflecting minimum coverage of $[Redacted]OR provide copy of insurer's replacement cost estimate supporting current coverage amount. |  |  |  | Reviewer Comment (2025-04-22): Received updated Hazard Insurance documents. Exception cleared.<br>Buyer Comment (2025-04-18): See coverage for property is walls in for this attached property. | 04/22/2025 |  |  | 1 C A |  | UT | Investment | Refinance - Rate/Term | C A |  | N/A | No |
|  | 20250968 |  |  | 33318429 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization Purposes. |  |  |  | Reviewer Comment (2025-03-25): Received secondary valuation CDA with value $[Redacted]. Exception Cleared.<br>Buyer Comment (2025-03-24): See CDA | 03/25/2025 |  |  | 1 D A |  | VT | Second Home | Purchase | D A C | Non QM | Non QM | No |
|  | 20250968 |  |  | 33318430 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Missing letter stating that use of business funds will not adversely affect the business. |  |  |  | Reviewer Comment (2025-04-07): Received and associated Cash flow analysis and LOE document. Exception cleared.<br>Buyer Comment (2025-04-04): Letter from co-borrower/business owner.<br>Buyer Comment (2025-04-04): Cash flow analysis<br>Reviewer Comment (2025-03-28): An LOE from the borrower and a cash flow analysis from the UW is required. Where is the cash flow analysis in file?<br>Buyer Comment (2025-03-28): EMD source and UW analysis for assets<br>Buyer Comment (2025-03-28): Assets and UW analysis | 04/07/2025 |  |  | 1 C A |  | VT | Second Home | Purchase | D A C | Non QM | Non QM | No |
|  | 20250968 |  |  | 33318432 |  | 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 $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of [Redacted] exceeds tolerance of [Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-03-30): [Redacted]received VCC.<br>Buyer Comment (2025-03-28): Evidence for COC | 03/30/2025 |  |  | 1 C A |  | VT | Second Home | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
|  | 20250968 |  |  | 33318433 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing [Redacted] month housing history for primary residence. |  |  |  | Reviewer Comment (2025-03-28): Documentation provided; exception cleared.<br>Buyer Comment (2025-03-28): VOR | 03/28/2025 |  |  | 1 C A |  | VT | Second Home | Purchase | D A C | Non QM | Non QM | No |
|  | 20250969 |  |  | 32982711 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower short [Redacted] months for third [Redacted] month tradeline, lender exception in file. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. | $[Redacted] residual income. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-03-07): Lender exception in file. |  |  | 03/07/2025 | 2 B |  | CA | Primary | Purchase | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | 20250969 |  |  | 32996768 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower changed business structure from [Redacted] to a corporation, lender exception in file. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. | $[Redacted] residual income. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-03-07): Lender exception in file. |  |  | 03/07/2025 | 2 B |  | CA | Primary | Purchase | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | 20250969 |  |  | 32996807 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | If borrower rents from private landlord, provide a copy of the lease agreement. |  |  |  | Reviewer Comment (2025-03-19): Documentation provided; exception cleared.<br>Seller Comment (2025-03-18): Attached the Lease. | 03/19/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | 20250974 |  |  | 33232194 |  | 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 $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Second Appraisal Fee was not disclosed on the Initial Loan Estimate, but disclosed as [Redacted] on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of [Redacted] , a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-02-09): [Redacted] received appraiser comment dated[Redacted] for increase in fee.<br>Buyer Comment (2025-02-07): please see attached detailing what transpired and why Rocket feels a cure of [Redacted] is required<br>Reviewer Comment (2025-01-31): [Redacted] received rebuttal and UCDP dated [Redacted], however fee was added on CD dated [Redacted] which is not within [Redacted] days. Please provide additional supporting information or cure would be required. Cure documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-01-30): Please see the [Redacted] SSR attached confirming a CU Score of [Redacted]. As a result, a secondary appraisal is required and that is why the secondary appraisal was required and the fee increased [Redacted . Please escalate for this to be cleared as it is a valid CIC | 02/09/2025 |  |  | 1 C A |  | VT | Investment | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250975 |  |  | 33232230 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted]exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-02-11): Sufficient Cure Provided At Closing |  | 02/11/2025 |  | 1 A |  | VA | Investment | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250975 |  |  | 33232231 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | Please provide HOI documentation for the indicated property and/or provide clarification why there was no HOI utilized in qualifying when the mortgage statement does not indicate it is escrowed. |  |  |  | Reviewer Comment (2025-02-16): Received clients clarification that the indicated property is vacant land, not requiring HOI. Exception cleared.<br>Buyer Comment (2025-02-14): This property is a vacant lot and therefore does not require homeowners insurance. The Cape Cod mortgage statement reflects the property address as [Redacted] | 02/16/2025 |  |  | 1 C A |  | VA | Investment | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250976 |  |  | 33232206 |  | 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 $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Second Appraisal Fee was last disclosed as [Redacted] on the Loan Estimate, but was disclosed as [Redacted] on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of [Redacted] , a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-02-11): [Redacted]received system snip for requirement of second appraisal and LOE for the fee bifurcation that were combined with the appraisal fee on LE dated [Redacted].<br>Buyer Comment (2025-02-11): [Redacted]: See attached bifurcation attestation.<br>Reviewer Comment (2025-02-11): [Redacted] received rebuttal, however we require attestation with bifurcation of fee name and fee amount disclosed on LE. Please provide attestation to re-evaluate the exception.<br>Buyer Comment (2025-02-10): The fee existed prior to that, the fees were combined on the loan estimate. On the loan estimate [Redacted], the appraisal fee was [Redacted], of which [Redacted] was for the first appraisal and [Redacted]<br> was for the second. On the CD the fees were separated, not sure why, but the borrower had previously been charged for this fee.<br>Reviewer Comment (2025-02-09): [Redacted] received document for [Redacted], however fee added on [Redacted] CD which is not within [Redacted] days of change. If any missing LE/CD sent within [Redacted]days of COC. Please provide any missing LE/CD to re-evaluate the exception.<br>Buyer Comment (2025-02-07): [Redacted]: The order was for a [Redacted] rental property estimate for the subject property in order to use proposed rental income. The [Redacted] showed no rental income for the subject as evidenced by the negative value for the subject. The underwriter in the attachment ordered the [Redacted]in order to use additional income from proposed rent, ordered the additional product as it was required, the loan at that time had a DTI of [Redacted] and did not qualify any other way. | 02/11/2025 |  |  | 1 C A |  | NC | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250976 |  |  | 33232209 |  | 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 $-[Redacted]exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Lender credit was last disclosed as [Redacted] on the Loan Estimate, but was disclosed as [Redacted] on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of [Redacted] , a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-02-09): [Redacted]received valid COC document.<br>Buyer Comment (2025-02-07): [Redacted] see the attached explanation. | 02/09/2025 |  |  | 1 C A |  | NC | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250977 |  |  | 33232242 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four ([Redacted]) business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. |  |  |  | Reviewer Comment (2025-02-26): Rec'd screenshot from lender's LOS verifying the LE was viewed on [Redacted] Exception cleared.<br>Buyer Comment (2025-02-26): Please see attached, internal confirmation the[Redacted] LE was viewed on [Redacted] | 02/26/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250977 |  |  | 33232243 |  | 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 $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Fee was disclosed as [Redacted] on the Initial Loan Estimate, but was disclosed as [Redacted] on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of [Redacted] , a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-02-28): [Redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br>Buyer Comment (2025-02-27): Please see attached, PCCD, LOE, Check, and shipping information |  | 02/28/2025 |  | 2 C B |  | FL | Investment | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250977 |  |  | 33232244 |  | Credit | Missing Document | General | Missing Document | Incomplete Document: 1003 Final is incomplete |  | The final 1003 is incomplete due to missing entries for REO properties on [Redacted] and [Redacted] . Please provide a revised 1003 with all sections completed. |  |  |  | Reviewer Comment (2025-02-26): The [Redacted] properties were reported on the borrower's personal [Redacted] Schedule E. Received lender attestation that these properties (which are not in the borrower's name) do not have to be disclosed on the REO section of the Final [Redacted].<br>Buyer Comment (2025-02-26): Please see page [Redacted] & [Redacted] for a confirmation of ownership by the borrower's businesses. Properties owned by a business are not put in the borrower's Real estate owned section. | 02/26/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250977 |  |  | 33232245 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The third party verification for the borrower's 1065 business ([Redacted]) was not timestamped. Please provide evidence of when the lender obtained the verification for review. |  |  |  | Reviewer Comment (2025-02-26): Provided Third Party Verification with Timestamped: Exception Cleared.<br>Buyer Comment (2025-02-26): Please see attached, [Redacted] verification with timestamp of [Redacted] | 02/26/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250977 |  |  | 33232246 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. | - ___ | The file is missing the mortgage statement for this property. Please provide for review. |  |  |  | Reviewer Comment (2025-02-26): Mortgage interest for this property was reported on the borrower's personal [Redacted] Schedule E. Received lender attestation that the mortgage statement is not required for a property in the name of a business.<br>Buyer Comment (2025-02-26): Please see page [Redacted] of the loan file which confirms the borrower's business owns the property. Mortgage statement not required. | 02/26/2025 |  |  | 1 C A |  | FL | Investment | Refinance - Cash-out - Other | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250978 |  |  | 33232196 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | The file was missing the Final Closing Disclosure from the recent transaction with the lender on this property. Please provide the final CD to confirm the PITIA for review. |  |  |  | Reviewer Comment (2025-02-03): Received final CD for the property confirms PITIA of the property, Exception cleared.<br>Buyer Comment (2025-02-03): Please see the attached final CD for the non-subject at [Redacted] [Redacted] to confirm PITIA used to qualify, attached. | 02/03/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Rate/Term | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250978 |  |  | 33232197 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on[Redacted]disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-02-03): Seller acknowledges exception, no change to grading. |  |  | 02/03/2025 | 2 B |  | NC | Investment | Refinance - Rate/Term | Good Faith Redisclosure C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250979 |  |  | 33232199 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  | Buyer Comment (2025-02-03): seller accepts; no change to grading. |  |  | 02/03/2025 | 2 B |  | NC | Investment | Refinance - Cash-out - Other | B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250979 |  |  | 33232200 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on[Redacted]disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-02-03): seller accepts; no change to grading. |  |  | 02/03/2025 | 2 B |  | NC | Investment | Refinance - Cash-out - Other | Good Faith Redisclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250980 |  |  | 33232217 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. | The Title Policy Amount of ___ is less than the note amount of ___ based on the ___ in file. |  |  |  |  | Buyer Comment (2025-02-07): Seller acknowledges the exception, no change to grading. |  |  | 02/07/2025 | 2 B |  | ID | Investment | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250980 |  |  | 33232219 |  | 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 $-[Redacted]. Insufficient or no cure was provided to the borrower. | Lender credit was last disclosed as [Redacted] on the Loan Estimate but was disclosed as [Redacted] on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of [Redacted] , a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-02-11): [Redacted] received additional information supporting LTV and pricing change.<br>Reviewer Comment (2025-02-11): [Redacted]received rebuttal comment, However, in case when loan amount changes the lender credit change should be proportionate to the loan amount change, and if change is not proportionate there should be additional information that explains change in borrower eligibility change such as did not qualify for current product, or DTI increased, or FICO score decreased. Though an LTV may change, the information did not state that there was a pricing/product/program change.<br>Buyer Comment (2025-02-10): Please see the attached screen shots from our LOS pricing history screen. As previously noted the loan amount prior to[Redacted] was [Redacted] however, the broker/client requested loan amount increase to [Redacted] eclipsed an LTV threshold impacting LLPA's resulting in the subsequent pricing adjustment and updating the lender credits.<br>Reviewer Comment (2025-02-10): [Redacted]received rebuttal that change reason for loan amount. However, the lender credit did not change proportionately with the loan amount change and is not a valid reason for the lender credit decrease. Provide additional information to support a pricing change for the lender credit decrease or cure would be due.<br>Buyer Comment (2025-02-07): Please see the attached screen shot from our LOS notes page. On [Redacted] the partner called in on the clients behalf and requested the loan amount be updated from [Redacted]0 to the final amount of[Redacted] as reflected on the CD from [Redacted]. | 02/11/2025 |  |  | 1 C A |  | ID | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250984 |  |  | 33232222 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | The internet Business Entity Search was not timestamped to verify the borrower's self-employment. Please provide evidence the verification was obtained to verify it meetings timing requirements. |  |  |  | Reviewer Comment (2025-02-11): Received evidence the date the Third Party Verification was obtained. Exception cleared.<br>Buyer Comment (2025-02-11): Please see attached timestamped verification. | 02/11/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250985 |  |  | 33232203 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Other Includes Insurance Costs | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on[Redacted] disclosed whether Homeowners insurance is included in escrow in incorrect section. Creditor disclosed insurance to consumer in "Other" section where regulation requires disclosure under "Homeowner's Insurance" section of Projected Payments table. Disclosure requirement met, non-material exception for incorrect format/placement. |  |  |  |  | Buyer Comment (2025-02-03): Seller acknowledges exception, no change to grading. |  |  | 02/03/2025 | 2 B |  | FL | Investment | Purchase | Good Faith Redisclosure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250988 |  |  | 33232240 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four ([Redacted]) business days prior to closing. | Verification of earlier borrower receipt of the revised [Redacted] was missing from the file. |  |  |  | Reviewer Comment (2025-02-25): [Redacted] received proof of receipt.<br>Buyer Comment (2025-02-25): Please see the attached from our LOS online documents review page which confirms the client received/viewed the[Redacted]. | 02/25/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250989 |  |  | 33232192 |  | 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 $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as [Redacted] on the Binding Loan Estimate dated [Redacted] , but was disclosed as [Redacted] on the Final Closing Disclosure. No valid COC was provided for this change, nor evidence of cure. Provide a post close CD disclosing the tolerance violation of [Redacted] , a copy of the refund check, proof of delivery, and a copy of the LOE to the borrower disclosing the changes made. |  |  |  | Reviewer Comment (2025-02-02): [Redacted] received appraiser comment summary for increase in appraisal fee.<br>Buyer Comment (2025-01-31): [Redacted]: This is due to the borrower paying for the appraisal on the [Redacted] therefore a lender credit could no longer be applied to the fee, it had to be marked borrower paid prior to closing. Elsewhere on the CD however the borrower received the promised credits. Please also see page [Redacted] which shows the appraisal receipt dated [Redacted].<br>Reviewer Comment (2025-01-30): [Redacted] received appraisal ordered document for the rush fee disclosed on[Redacted] and corresponding CD received on [Redacted] paid by lender. However, the fee was changed to borrower paid from lender paid on Final CD dated [Redacted] without VCCs. If there was an additional reason the fee was changed from lender paid borrower paid, we will need the additional information with supporting documentation of timeline for review. Otherwise, a corrected CD, LOE, refund check, and proof of mailing is needed to cure.<br>Buyer Comment (2025-01-30): [Redacted]: See the provided cic. | 02/02/2025 |  |  | 1 C A |  | MD | Investment | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250992 |  |  | 33232252 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four ([Redacted]) business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. |  |  |  | Reviewer Comment (2025-03-06): [Redacted]received proof of earlier electronic receipt<br>Buyer Comment (2025-03-05): Please see attached confirmation the borrower viewed the loan estimate within the required timeframe prior to closing. | 03/06/2025 |  |  | 1 C A |  | ID | Investment | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250993 |  |  | 33232224 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-02-12): Seller accepts with no change in grading |  |  | 02/12/2025 | 2 B |  | CA | Investment | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250993 |  |  | 33232227 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The RSU vesting schedule provided is illegible. Please provide a legible copy of the full vesting schedule for review, income to be updated upon receipt. |  |  |  | Reviewer Comment (2025-02-13): Vesting schedule received, income updated. Exception cleared.<br>Buyer Comment (2025-02-12): Please see the vesting schedule attached | 02/13/2025 |  |  | 1 C A |  | CA | Investment | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250994 |  |  | 33232247 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  |  |  |  |  | Buyer Comment (2025-02-27): Seller acknowledges exception, no change to grading. |  |  | 02/27/2025 | 2 B |  | CA | Investment | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20250994 |  |  | 33232249 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on [Redacted] not received by borrower at least four ([Redacted]) business days prior to closing. | Verification of earlier borrower receipt of the revised Loan Estimate is missing from the file. |  |  |  | Reviewer Comment (2025-02-27): [Redacted] received proof of receipt.<br>Buyer Comment (2025-02-27): Please see the attached confirmation the borrower viewed the LE within the required timeframe prior to closing on [Redacted] | 02/27/2025 |  |  | 1 C A |  | CA | Investment | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20251000 |  |  | 33057003 |  | 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 designation discrepancy due to missing income documentation. Verification of employment within [Redacted] business days of the note date was not provided. |  |  |  | Reviewer Comment (2025-03-06): VVOE provided, exception cleared.<br>Buyer Comment (2025-03-05): See Uploaded VVOE<br>Reviewer Comment (2025-03-05): On Non-QM loans, the ATR Rule requires that a creditor must consider a borrower's employment status at or before consummation. Despite a creditors guidelines allowing for a VOE after closing, which may meet [Redacted]requirements, it does not meet the ATR Rule and therefore cannot be accepted. If the creditor relied on alternate documentation to get comfortable with the employment status of the borrower, and this was performed at or before consummation, they can provide a lender exception that demonstrates what alternate documentation was used to verify the employment status of the borrower.<br>Buyer Comment (2025-03-04): See Uploaded VVOE | 03/06/2025 |  |  | 1 B A C |  | DC | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Non QM | Non QM | Yes |
|  | 20251000 |  |  | 33057004 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability To Repay Provision Employment - W-2 | Ability to Repay (Dodd-Frank 2014): Unable to verify current Wages/W2 employment status using reasonably reliable third-party records. | Unable to verify current Wages/W-2 employment status using reasonably reliable third-party records.Verification of employment was not provided. |  |  |  | Reviewer Comment (2025-03-06): VVOE provided, exception cleared.<br>Buyer Comment (2025-03-05): See Uploaded VVOE<br>Reviewer Comment (2025-03-05): On Non-QM loans, the ATR Rule requires that a creditor must consider a borrower's employment status at or before consummation. Despite a creditors guidelines allowing for a VOE after closing, which may meet [Redacted] requirements, it does not meet the ATR Rule and therefore cannot be accepted. If the creditor relied on alternate documentation to get comfortable with the employment status of the borrower, and this was performed at or before consummation, they can provide a lender exception that demonstrates what alternate documentation was used to verify the employment status of the borrower.<br>Buyer Comment (2025-03-04): See Uploaded VVOE | 03/06/2025 |  |  | 1 C A |  | DC | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 20251000 |  |  | 33057005 |  | Compliance | Compliance | Federal Compliance | ATR/QM | NonQM ATR | Ability-to-Repay (Dodd-Frank 2014): General Ability-to-Repay requirements not satisfied. | Verification of Employment was not provided. |  |  |  | Reviewer Comment (2025-03-06): VVOE provided, exception cleared. | 03/06/2025 |  |  | 1 A |  | DC | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 20251000 |  |  | 33057006 |  | 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 $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-02-27): Sufficient Cure Provided At Closing |  | 02/27/2025 |  | 1 A |  | DC | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 20251000 |  |  | 33057007 |  | Credit | Income / Employment | Income Documentation | Income / Employment | The verification of employment is required and was not found in file. |  |  |  |  |  | Reviewer Comment (2025-03-05): VVOE provided, exception cleared.<br>Buyer Comment (2025-03-04): See Uploaded VVOE | 03/05/2025 |  |  | 1 C A |  | DC | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 20251000 |  |  | 33057008 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within [Redacted]business days of the Note. |  | Verification of Employment was not provided. |  |  |  | Reviewer Comment (2025-03-05): VVOE provided, exception cleared.<br>Buyer Comment (2025-03-04): See Uploaded VVOE | 03/05/2025 |  |  | 1 C A |  | DC | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 20251002 |  |  | 33318620 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception for new construction condotel with no separate bedroom. Approval in file. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. | FICO: [Redacted] | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-03-14): The client elects to waive. |  |  | 03/14/2025 | 2 B |  | UT | Investment | Purchase | B A |  | N/A | No |
|  | 20251003 |  |  | 33183148 |  | 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 ___ does not meet Guideline Debt Service Coverage Ratio (Subject DSCR) ___. | The DSCR is less than 1 due to HOA dues, which were not included in UW calculation but are reflected on the appraisal. | Borrower has owned the subject property for at least [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted]months reserves.<br>LTV is [Redacted]% below guideline max.<br>Fico is [Redacted]points above guideline minimum. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-03-27): A post close lender exception was provided.<br>Buyer Comment (2025-03-26): see exception<br>Reviewer Comment (2025-03-24): HOI Policy with a lower premium was provided; however, this is dated post-close and an exception will need to be granted to use post-cost documentation.<br>Buyer Comment (2025-03-20): New insurance policy with lower premium. And RCE showing property has sufficient coverage. New monthly HOI payment is [Redacted]<br>Reviewer Comment (2025-03-12): The dscr is still under [Redacted], missing lender exception.<br>Buyer Comment (2025-03-10): LOE<br>Buyer Comment (2025-03-10): Correct Final CD<br>Buyer Comment (2025-03-10): Correct HOI policy<br>Reviewer Comment (2025-03-10): The HOA was not included in lender's dscr calculation, exception remains.<br>Buyer Comment (2025-03-06): See docs provided |  |  | 03/27/2025 | 2 C B |  | TX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 20251003 |  |  | 33183149 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per the guidelines, [Redacted] months cancelled checks are required when renting from a private landlord. The VOR provided only reflects the name [Redacted] . |  |  |  | Reviewer Comment (2025-03-10): Documentation provided; exception cleared.<br>Buyer Comment (2025-03-07): [Redacted] months payment history | 03/10/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 20251003 |  |  | 33183150 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide evidence the general appeal and location of borrower's primary residence is superior to the subject property, if not, and additional review by underwriting management is required. |  |  |  | Reviewer Comment (2025-03-12): Documentation provided; exception cleared.<br>Buyer Comment (2025-03-10): UW Certification<br>Buyer Comment (2025-03-10): Subject summary report<br>Buyer Comment (2025-03-10): Primary info | 03/12/2025 |  |  | 1 C A |  | TX | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 20251004 |  |  | 33004371 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Layered entity, lender exception in file. | Borrower has owned the subject property for at least [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] months reserves.<br>Fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-03-12): Lender exception in file. |  |  | 03/12/2025 | 2 B |  | FL | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 20251005 |  |  | 33125665 |  | 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 Survey Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Survey Fee was last disclosed as $[Redacted] on Loan Estimate but disclosed as $[Redacted] on Final Closing Disclosure dated [Redacted]. File does not contain a valid documented Changed circumstance, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-03-17): [Redacted]received corrected PCCD and LOE with corrected fee name.<br>Buyer Comment (2025-03-14): LOE and PCCD | 03/17/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
|  | 20251007 |  |  | 33125620 |  | 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. |  | The subject property is located in a [Redacted] area. The most recent inspection is dated prior to the recent [Redacted]. Disaster end date was [Redacted]. <br> Provide a post-disaster inspection report showing no damage to the property. |  |  |  | Reviewer Comment (2025-03-03): [Redacted] provided, exception cleared.<br>Buyer Comment (2025-03-03): see disaster report | 03/03/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
|  | 20251007 |  |  | 33125623 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide evidence borrower has [Redacted]% access to all accounts not solely in his name. |  |  |  | Reviewer Comment (2025-03-03): Documentation provided; exception cleared.<br>Buyer Comment (2025-03-03): See docs provided | 03/03/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
|  | 20251015 |  |  | 33217669 |  | 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 $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-09): Sufficient Cure Provided At Closing |  | 04/09/2025 |  | 1 A |  | NJ | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
|  | 20251015 |  |  | 33224396 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception for an [Redacted] day gap between the closure of one account and the opening deposit of another account. Approval in file. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | $[Redacted]residual income.<br>[Redacted] months reserves.<br>Dti is [Redacted]% below guideline max.<br>Fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-04-10): Lender exception in file. |  |  | 04/10/2025 | 2 B |  | NJ | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 20251016 |  |  | 33125577 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-03-21): Received and associated UCDP report with CU Score[Redacted]. Exception Cleared.<br>Buyer Comment (2025-03-20): [Redacted] SSR score [Redacted] | 03/21/2025 |  |  | 1 D A |  | CT | Investment | Purchase | D A |  | N/A | No |
|  | 20251017 |  |  | 33057071 |  | 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 ([Redacted]) business days prior to closing. | Initial Closing Disclosure dated [Redacted] was not provided to Borrower(s) at least three (3) business days prior to closing date of [Redacted]. |  |  |  | Reviewer Comment (2025-03-12): [Redacted] received disclsoure sumnmary suffice.<br>Buyer Comment (2025-03-11): see docs provided | 03/12/2025 |  |  | 1 C A |  | CO | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
|  | 20251018 |  |  | 33183075 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing business narrative for 1099 and bank statement income. |  |  |  | Reviewer Comment (2025-04-01): Business Narrative was provided.<br>Buyer Comment (2025-03-28): See docs provided<br>Reviewer Comment (2025-03-26): Missing business narrative for [Redacted], exception remains.<br>Buyer Comment (2025-03-25): See business narrative | 04/01/2025 |  |  | 1 C A |  | NV | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251019 |  |  | 33318527 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-04-10): Received and associated Fraud Report document. Exception Cleared.<br>Buyer Comment (2025-04-09): See uploaded Drive Report | 04/10/2025 |  |  | 1 C A |  | AL | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251019 |  |  | 33318528 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-08): Sufficient Cure Provided At Closing |  | 04/08/2025 |  | 1 A |  | AL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 20251020 |  |  | 33125684 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing rent free letter from borrower's sister verifying borrower lives there rent free. |  |  |  | Reviewer Comment (2025-03-20): A signed Rent Free Letter was provided.<br>Buyer Comment (2025-03-20): Rent free letter signed by sister and borrower. Sisters name is [Redacted]. It is the second signature.<br>Reviewer Comment (2025-03-19): This was reviewed to [Redacted] guides per[Redacted].<br>Buyer Comment (2025-03-18): Rent free letter. Does not need to be from homeowner per [Redacted] guidelines. | 03/20/2025 |  |  | 1 C A |  | CO | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251020 |  |  | 33125685 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing complete [Redacted] months housing history for borrower. |  |  |  | Reviewer Comment (2025-03-19): Documentation provided; exception cleared.<br>Buyer Comment (2025-03-18): Complete housing history before selling home. | 03/19/2025 |  |  | 1 C A |  | CO | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251023 |  |  | 33125705 |  | 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 $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Discount Points. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. No valid changed circumstance was provided. No cure was provided to the Borrower. |  |  |  | Reviewer Comment (2025-03-20): [Redacted] Received Valid COC along with LE.<br>Buyer Comment (2025-03-19): Loan Estimate dated [Redacted]<br>Buyer Comment (2025-03-19): Change of Circumstance dated [Redacted] | 03/20/2025 |  |  | 1 C A |  | CT | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
|  | 20251024 |  |  | 32974046 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender approved exception provided for a non-warrantable condo with presale less than [Redacted]% and no fidelity insurance. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | $[Redacted] residual income.<br>[Redacted] months reserves.<br>LTV/CLTV is [Redacted] below guideline max.<br>LTV/CLTV is [Redacted] below guideline max.<br>Fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-03-06): Lender exception in file. |  |  | 03/06/2025 | 2 B |  | CA | Investment | Purchase | B A |  | N/A | No |
|  | 20251025 |  |  | 33220635 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [Redacted] |  |  |  |  |  | Reviewer Comment (2025-03-18): Received and associated UCDP report with CU Score[Redacted]. Exception Cleared.<br>Buyer Comment (2025-03-18): Fannie UCDP SSR score [Redacted] | 03/18/2025 |  |  | 1 D A |  | GA | Investment | Purchase | D A C |  | N/A | No |
|  | 20251025 |  |  | 33220636 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-04-01): Received and associated Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-03-31): Business purpose | 04/01/2025 |  |  | 1 C A |  | GA | Investment | Purchase | D A C |  | N/A | No |
|  | 20251025 |  |  | 33220637 |  | Credit | Loan Package Documentation | Closing / Title | Title | Title: Evidence of title is missing |  |  |  |  |  | Reviewer Comment (2025-03-18): Received and associated Title Commitment with title policy amount [Redacted]. Exception cleared.<br>Buyer Comment (2025-03-18): Title | 03/18/2025 |  |  | 1 C A |  | GA | Investment | Purchase | D A C |  | N/A | No |
|  | 20251025 |  |  | 33220638 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | Reviewer Comment (2025-03-18): Received and associated Title Commitment with title policy amount [Redacted]. Exception cleared.<br>Buyer Comment (2025-03-18): Title uploaded to [Redacted] | 03/18/2025 |  |  | 1 C A |  | GA | Investment | Purchase | D A C |  | N/A | No |
|  | 20251028 |  |  | 33220444 |  | 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 $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of [Redacted] exceeds tolerance of [Redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-04-03): Sufficient Cure Provided At Closing |  | 04/03/2025 |  | 1 A |  | CO | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 20251028 |  |  | 33220445 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Zero Percent Fee Tolerance exceeded for Transfer Tax. Fee Amount of [Redacted] exceeds tolerance of [Redacted] . Sufficient or excess cure was provided to the borrower at Closing. |  |  |  | Reviewer Comment (2025-04-03): Sufficient Cure Provided At Closing |  | 04/03/2025 |  | 1 A |  | CO | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 20251037 |  |  | 33183117 |  | 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 $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-03-18): Sufficient Cure Provided At Closing |  | 03/18/2025 |  | 1 A |  | NJ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 20251040 |  |  | 33220640 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [Redacted] |  | The file is missing a copy of the secondary valuation. |  |  |  | Reviewer Comment (2025-03-28): Received and associated UCDP report with CU Score[Redacted] Exception Cleared.<br>Buyer Comment (2025-03-27): [Redacted]SSR is a [Redacted] | 03/28/2025 |  |  | 1 D A |  | NJ | Investment | Purchase | D A C |  | N/A | No |
|  | 20251040 |  |  | 33220642 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  | Closing protection letter is missing in the file. |  |  |  | Reviewer Comment (2025-03-28): Received and associated Closing Protection Letter. Exception cleared.<br>Buyer Comment (2025-03-27): Duplicate condition- CPL attached<br>Buyer Comment (2025-03-27): CPL attached | 03/28/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | D A C |  | N/A | No |
|  | 20251040 |  |  | 33220643 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Mising Document: Closing Protection Letter not provided. |  | Closing protection letter is missing in the file. |  |  |  | Reviewer Comment (2025-03-28): Received and associated Closing Protection Letter. Exception cleared. | 03/28/2025 |  |  | 1 C A |  | NJ | Investment | Purchase | D A C |  | N/A | No |
|  | 20251042 |  |  | 33318481 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation does not support the value used to qualify. Sec ID: 7 |  |  |  |  |  | Reviewer Comment (2025-04-15): The lower amount was used to qualify for the loan.<br>Reviewer Comment (2025-04-15): This is a Securitization requirement and the guidelines have no bearing to this exception.<br>Buyer Comment (2025-04-11): Please review NAF guidelines with this as well. Their guides do not speak to variances in the CDA values but only require that a collateral review be done and to follow what is recommended from review. Thanks<br>Buyer Comment (2025-04-10): Please see attached as this was underwritten to NAF guidelines- the attached is their collateral review | 04/15/2025 |  |  | 1 C A |  | LA | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20251042 |  |  | 33318484 |  | 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 Settlement / Closing / Escrow Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Settlement / Closing / Escrow Fee was last disclosed as $[Redacted]on Loan Estimate but disclosed as $[Redacted]on Final Closing Disclosure dated [Redacted]. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-04-10): [Redacted] Received Fee Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD<br>Buyer Comment (2025-04-09): see cure provided |  | 04/10/2025 |  | 2 C B |  | LA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 20251044 |  |  | 33318447 |  | 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 HOA/Condo Questionnaire. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-03-21): Sufficient Cure Provided At Closing |  | 03/21/2025 |  | 1 A |  | NY | Second Home | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 20251046 |  |  | 33244209 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Partial Payments | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on[Redacted] incorrectly disclosed whether the loan allows for Partial Payments. | Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan allows for Partial Payments. The section was left blank. |  |  |  | Reviewer Comment (2025-03-26): [Redacted]received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2025-03-25): See uploaded LOX<br>Reviewer Comment (2025-03-25): [Redacted]received Corrected CD. Missing copy of LOE to borrower which accompanied the PCCD to finalize cure.<br>Buyer Comment (2025-03-24): See Uploaded PCCD |  | 03/26/2025 |  | 2 C B |  | AL | Second Home | Purchase | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
|  | 20251046 |  |  | 33244211 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception for lack of [Redacted] [Redacted] . approval in file. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | $[Redacted] residual income<br>[Redacted] months reserves.<br>DTI is [Redacted]% below guideline max.<br>Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-03-18): Lender exception in file. |  |  | 03/18/2025 | 2 B |  | AL | Second Home | Purchase | C B A | Non QM | Non QM | No |
|  | 20251047 |  |  | 33220682 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | FTI on cash out refinance, lender exception provided. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] months reserves.<br>Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-04-02): Lender exception in file. |  |  | 04/02/2025 | 2 B |  | KY | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 20251048 |  |  | 33220424 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [Redacted] |  | For securitization requirements, a secondary valuation review product is required, which supports original appraised value. There was no UCDP in file. |  |  |  | Reviewer Comment (2025-04-08): UCDP provided.<br>Buyer Comment (2025-04-07): See SSR score - secondary valuation not required. | 04/08/2025 |  |  | 1 D A |  | PA | Primary | Purchase | D A | Non QM | Non QM | No |
|  | 20251048 |  |  | 33220426 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted]exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-03): Sufficient Cure Provided At Closing |  | 04/03/2025 |  | 1 A |  | PA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 20251048 |  |  | 33220427 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-03): Sufficient Cure Provided At Closing |  | 04/03/2025 |  | 1 A |  | PA | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 20251050 |  |  | 33356352 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | [Redacted]: REO Documents are marked missing |  |  |  | Reviewer Comment (2025-04-16): Received and associated Insurance Verification and Statement for the property at[Redacted]. Exception Cleared.<br>Buyer Comment (2025-04-14): See docs provided<br>Buyer Comment (2025-04-14): See VOM | 04/16/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 20251050 |  |  | 33356357 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing business narrative. |  |  |  | Reviewer Comment (2025-04-17): Received and associated business narrative document. Exception Cleared.<br>Buyer Comment (2025-04-15): See docs provided | 04/17/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 20251050 |  |  | 33356358 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing [Redacted]month housing history on [Redacted]. |  |  |  | Reviewer Comment (2025-04-16): Documentation provided; exception cleared.<br>Buyer Comment (2025-04-14): See docs provided | 04/16/2025 |  |  | 1 C A |  | AZ | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 20251051 |  |  | 33220392 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-04-08): Documentation provided; exception cleared. | 04/08/2025 |  |  | 1 A |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 20251051 |  |  | 33220393 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy amount is blank. A Final policy was not provided. |  |  |  | Reviewer Comment (2025-04-08): Documentation provided; exception cleared.<br>Buyer Comment (2025-04-07): See docs provided | 04/08/2025 |  |  | 1 B A |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 20251052 |  |  | 33318472 |  | Credit | Loan Package Documentation | Loan File | Missing Document | Missing Document: Hazard Insurance Policy not provided |  |  |  |  |  | Reviewer Comment (2025-04-07): The HOI policy has been received.<br>Buyer Comment (2025-04-04): See doc provided | 04/07/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251052 |  |  | 33318474 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Insufficient assets verified to meet reserve requirement. Missing evidence of receipt of gift funds in the amount of $[Redacted]. |  |  |  | Reviewer Comment (2025-04-07): Assets have been fully verified and the loan now has sufficient reserves.<br>Buyer Comment (2025-04-04): See doc provided | 04/07/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251052 |  |  | 33318475 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Missing evidence of receipt of gift funds in the amount of $[Redacted]. |  |  |  | Reviewer Comment (2025-04-07): Assets have been fully verified and the loan has sufficient funds to close.<br>Buyer Comment (2025-04-04): See doc provided | 04/07/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251052 |  |  | 33318476 |  | 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. | Insufficient assets verified to meet closing and reserve requirements. |  |  |  | Reviewer Comment (2025-04-07): Assets have been fully verified and the loan has sufficient funds to close.<br>Buyer Comment (2025-04-04): See doc provided | 04/07/2025 |  |  | 1 B A C |  | TX | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
|  | 20251052 |  |  | 33318477 |  | 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. | Insufficient assets verified to meet closing and reserve requirements. |  |  |  | Reviewer Comment (2025-04-07): Assets have been fully verified and the loan has sufficient funds to close.<br>Buyer Comment (2025-04-04): See doc provided | 04/07/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251054 |  |  | 33056861 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower has [Redacted] rate/Term refinances with Arc submitted for $[Redacted], lender exception in file. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC | Reviewer Comment (2025-03-06): Lender exception in file. |  |  | 03/06/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 20251054 |  |  | 33056862 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal not ordered through an [Redacted], lender exception in file. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC | Reviewer Comment (2025-03-06): Lender exception in file. |  |  | 03/06/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 20251054 |  |  | 33056863 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Unable to document primary housing payment, lender exception in file. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC | Reviewer Comment (2025-03-06): Lender exception in file. |  |  | 03/06/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 20251054 |  |  | 33056864 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-03-07): Lender elects to waive this exception. |  |  | 03/07/2025 | 2 C B |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 20251056 |  |  | 33356351 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for tradelines. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] months reserves.<br>Fico is [Redacted] points above guideline minimum. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-04-08): Lender exception in file. |  |  | 04/08/2025 | 2 B |  | CO | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 20251057 |  |  | 33183160 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception for [Redacted] for First Time Investor for Co-Borrower. Lender approval provided. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] months reserves.<br>Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-03-26): Lender exception in file. |  |  | 03/26/2025 | 2 B |  | CO | Investment | Purchase | B A |  | N/A | No |
|  | 20251058 |  |  | 33318505 |  | 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 Survey Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Survey Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-04-11): [Redacted] received LOX.<br>Buyer Comment (2025-04-10): LOE for survey | 04/11/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
|  | 20251058 |  |  | 33318506 |  | 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 ([Redacted]) business days of application. Initial Loan Estimate dated[Redacted] 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. |  |  |  |  | Reviewer Comment (2025-04-09): [Redacted]received earliest e-consent dated [Redacted].<br>Buyer Comment (2025-04-08): Disclosure tracking. | 04/09/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251059 |  |  | 33183112 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. |  | Final Closing Disclosure reflects disbursement date as [Redacted] . Hazard insurance declarations page reflects a policy effective date of [Redacted] . |  |  |  | Reviewer Comment (2025-03-20): Received updated Hazard Insurance Policy with effective date of [Redacted] Exception Cleared.<br>Buyer Comment (2025-03-19): attached.<br>Buyer Comment (2025-03-19): HOI with[Redacted] start date. | 03/20/2025 |  |  | 1 C A |  | CO | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251061 |  |  | 33318597 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Verification of Identification not provided |  | The file is missing a copy of the Verification of Identification. |  |  |  | Reviewer Comment (2025-04-08): Documentation provided; exception cleared.<br>Buyer Comment (2025-04-07): See docs provided | 04/08/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
|  | 20251064 |  |  | 33220650 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for wind driven sublimit. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] months reserves.<br>Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-03-26): Lender exception in file. |  |  | 03/26/2025 | 2 B |  | FL | Investment | Purchase | B A |  | N/A | No |
|  | 20251066 |  |  | 33220189 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Provide Corrected Verification of Rent documentation for [Redacted] .. Correct dates not shown on rental history from and to. |  |  |  | Reviewer Comment (2025-04-02): Documentation provided; exception cleared.<br>Reviewer Comment (2025-04-01): Please provide VOR from [Redacted] through [Redacted].<br>Buyer Comment (2025-03-28): From lender: the borrower rented at the place listed on the application from [Redacted]-[Redacted] then her lease got moved over to another party that VOR was completed with IR showing the transfer of the lease. We also have a copy of the lease and the bank statements showing the rent being paid.<br>Reviewer Comment (2025-03-26): Received Verification of rent documents showing Tenant rented from [Redacted] to [Redacted]. However please provide Latest verification of rent documents for "[Redacted]". Exception remains.<br>Buyer Comment (2025-03-26): See docs provided | 04/02/2025 |  |  | 1 C A D |  | CA | Primary | Purchase | D A | Non QM | Non QM | No |
|  | 20251066 |  |  | 33220190 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Rent Free Letter was not provided for [Redacted] . |  |  |  | Reviewer Comment (2025-03-27): Documentation provided; exception cleared.<br>Buyer Comment (2025-03-26): See docs provided | 03/27/2025 |  |  | 1 C A |  | CA | Primary | Purchase | D A | Non QM | Non QM | No |
|  | 20251067 |  |  | 33056905 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower has [Redacted] rate/Term refinances with Arc submitted for $[Redacted], lender exception in file. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC | Reviewer Comment (2025-03-07): Lender exception in file. |  |  | 03/07/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 20251067 |  |  | 33056906 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal not ordered through an [Redacted], lender exception in file. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC | Reviewer Comment (2025-03-07): Lender exception in file. |  |  | 03/07/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 20251067 |  |  | 33056907 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Unable to document primary housing payment, lender exception in file. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC | Reviewer Comment (2025-03-07): Lender exception in file. |  |  | 03/07/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 20251067 |  |  | 33056908 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-03-07): Lender elects to waive this exception. |  |  | 03/07/2025 | 2 C B |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 20251068 |  |  | 33056916 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower has [Redacted] rate/Term refinances with [Redacted] submitted for $[Redacted], lender exception in file. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC | Reviewer Comment (2025-03-07): Lender exception in file. |  |  | 03/07/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | B A |  | N/A | No |
|  | 20251068 |  |  | 33056917 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal not ordered through an [Redacted], lender exception in file. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC | Reviewer Comment (2025-03-07): Lender exception in file. |  |  | 03/07/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | B A |  | N/A | No |
|  | 20251068 |  |  | 33056918 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Unable to document primary housing payment, lender exception in file. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC | Reviewer Comment (2025-03-07): Lender exception in file. |  |  | 03/07/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | B A |  | N/A | No |
|  | 20251068 |  |  | 33056919 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-03-07): Lender elects to waive this exception. |  |  | 03/07/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | B A |  | N/A | No |
|  | 20251069 |  |  | 33056877 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-03-11): A post close lender exception was provided. |  |  | 03/11/2025 | 2 C B |  | CA | Investment | Refinance - Rate/Term | D B C A |  | N/A | No |
|  | 20251069 |  |  | 33056878 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower has [Redacted] rate/term refinances with [Redacted] submitted for $[Redacted], lender exception in file. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC | Reviewer Comment (2025-03-06): Lender exception in file. |  |  | 03/06/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | D B C A |  | N/A | No |
|  | 20251069 |  |  | 33056879 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal not ordered through an [Redacted], lender exception in file. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC | Reviewer Comment (2025-03-06): Lender exception in file. |  |  | 03/06/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | D B C A |  | N/A | No |
|  | 20251069 |  |  | 33056880 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Unable to document primary housing payment, lender exception in file. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC | Reviewer Comment (2025-03-06): Lender exception in file. |  |  | 03/06/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | D B C A |  | N/A | No |
|  | 20251069 |  |  | 33056881 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-03-07): Lender elects to waive this exception. |  |  | 03/07/2025 | 2 C B |  | CA | Investment | Refinance - Rate/Term | D B C A |  | N/A | No |
|  | 20251069 |  |  | 33056882 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: [Redacted] |  | The CDA in the file is not for the subject property. |  |  |  | Reviewer Comment (2025-03-11): CDA provided, exception cleared.<br>Buyer Comment (2025-03-10): CDA from Clear Capital attached supporting the appraised value. | 03/11/2025 |  |  | 1 D A |  | CA | Investment | Refinance - Rate/Term | D B C A |  | N/A | No |
|  | 20251070 |  |  | 33056910 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower has [Redacted]rate/Term refinances with [Redacted]submitted for $[Redacted], lender exception in file. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC | Reviewer Comment (2025-03-07): Lender exception in file. |  |  | 03/07/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | B A |  | N/A | No |
|  | 20251070 |  |  | 33056911 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal not ordered through an [Redacted], lender exception in file. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC | Reviewer Comment (2025-03-07): Lender exception in file. |  |  | 03/07/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | B A |  | N/A | No |
|  | 20251070 |  |  | 33056912 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-03-07): Lender elects to waive this exception. |  |  | 03/07/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | B A |  | N/A | No |
|  | 20251070 |  |  | 33056913 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Unable to document primary housing payment, lender exception in file. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC | Reviewer Comment (2025-03-07): Lender exception in file. |  |  | 03/07/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | B A |  | N/A | No |
|  | 20251071 |  |  | 33056898 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy amount is blank. A Final policy was not provided. |  |  |  | Reviewer Comment (2025-03-07): Documentation provided; exception cleared.<br>Buyer Comment (2025-03-07): Please see updated title with loan amount | 03/07/2025 |  |  | 1 B A |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 20251071 |  |  | 33056899 |  | Credit | Borrower and Mortgage Eligibility | Mortgage / Program Eligibility | Borrower and Mortgage Eligibility | Guideline Requirement: Loan to value discrepancy. | Calculated loan to value percentage of ___ exceeds Guideline loan to value percentage of ___. | Calculated loan to value percentage of [Redacted] exceeds Guideline loan to value percentage of [Redacted]. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-03-11): A post close lender exception was provided. |  |  | 03/11/2025 | 2 C B |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 20251071 |  |  | 33056900 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower has [Redacted] rate/Term refinances with Arc submitted for $[Redacted], lender exception in file. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC | Reviewer Comment (2025-03-07): Lender exception in file. |  |  | 03/07/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 20251071 |  |  | 33056901 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal not ordered through an [Redacted], lender exception in file. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC | Reviewer Comment (2025-03-07): Lender exception in file. |  |  | 03/07/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 20251071 |  |  | 33056902 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Unable to document primary housing payment, lender exception in file. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC | Reviewer Comment (2025-03-07): Lender exception in file. |  |  | 03/07/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 20251071 |  |  | 33056903 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-03-07): Lender elects to waive this exception. |  |  | 03/07/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 20251072 |  |  | 33056840 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  | Reviewer Comment (2025-03-07): Documentation provided; exception cleared.<br>Buyer Comment (2025-03-07): Appraisal attached | 03/07/2025 |  |  | 1 D A |  | CA | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
|  | 20251072 |  |  | 33056841 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  |  |  |  |  | Reviewer Comment (2025-03-07): Documentation provided; exception cleared.<br>Buyer Comment (2025-03-07): Appraisal was completed [Redacted] after the end date reflecting no damage to the subject.<br>Buyer Comment (2025-03-07): Appraisal was complete [Redacted] after the disaster end date and reflects no damage to the subject. | 03/07/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
|  | 20251072 |  |  | 33056842 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: 1 |  |  |  |  |  | Reviewer Comment (2025-03-07): Documentation provided; exception cleared.<br>Buyer Comment (2025-03-07): CDA was in original package- page [Redacted]- please cancel | 03/07/2025 |  |  | 1 D A |  | CA | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
|  | 20251072 |  |  | 33056844 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower has [Redacted] rate/term refinances with [Redacted] submitted for $[Redacted], lender exception in file. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC | Reviewer Comment (2025-03-06): Lender exception in file. |  |  | 03/06/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
|  | 20251072 |  |  | 33056845 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal not ordered through an [Redacted], lender exception in file. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC | Reviewer Comment (2025-03-06): Lender exception in file. |  |  | 03/06/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
|  | 20251072 |  |  | 33056846 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Unable to document primary housing payment, lender exception in file. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC | Reviewer Comment (2025-03-06): Lender exception in file. |  |  | 03/06/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
|  | 20251072 |  |  | 33056848 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-03-07): Lender elects to waive this exception. |  |  | 03/07/2025 | 2 C B |  | CA | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
|  | 20251073 |  |  | 33056883 |  | Credit | Missing Document | General | Missing Document | Missing Document: [Redacted]Rent Comparison Schedule not provided |  |  |  |  |  | Reviewer Comment (2025-03-07): Documentation provided; exception cleared. | 03/07/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
|  | 20251073 |  |  | 33056884 |  | Credit | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Missing Document: Appraisal not provided |  |  |  |  |  | Reviewer Comment (2025-03-07): Documentation provided; exception cleared.<br>Buyer Comment (2025-03-07): Appraisal attached | 03/07/2025 |  |  | 1 D A |  | CA | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
|  | 20251073 |  |  | 33056885 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | FEMA Disaster Issue: Property is located in a FEMA Disaster area and has not been inspected. |  | The subject property is located in a FEMA disaster area. The most recent inspection is dated prior to the recent FEMA disaster. Disaster end date was [Redacted]. <br> Provide a post-disaster inspection report showing no damage to the property. |  |  |  | Reviewer Comment (2025-03-07): Documentation provided; exception cleared.<br>Buyer Comment (2025-03-07): Appraisal was completed [Redacted] after the disaster end date w/no damage to the subject. | 03/07/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
|  | 20251073 |  |  | 33056887 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Appraisal is missing. Sec ID: [Redacted] |  |  |  |  |  | Reviewer Comment (2025-03-07): Documentation provided; exception cleared.<br>Buyer Comment (2025-03-07): Appraisal attached | 03/07/2025 |  |  | 1 D A |  | CA | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
|  | 20251073 |  |  | 33056888 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower has [Redacted]rate/Term refinances with [Redacted] submitted for $[Redacted], lender exception in file. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC | Reviewer Comment (2025-03-06): Lender exception in file. |  |  | 03/06/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
|  | 20251073 |  |  | 33056889 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal not ordered through an [Redacted], lender exception in file. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC | Reviewer Comment (2025-03-06): Lender exception in file. |  |  | 03/06/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
|  | 20251073 |  |  | 33056890 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Unable to document primary housing payment, lender exception in file. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC | Reviewer Comment (2025-03-06): Lender exception in file. |  |  | 03/06/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
|  | 20251073 |  |  | 33056891 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-03-07): Lender elects to waive this exception. |  |  | 03/07/2025 | 2 C B |  | CA | Investment | Refinance - Rate/Term | D B A |  | N/A | No |
|  | 20251074 |  |  | 33056851 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  | Copy of Operating agreement is not available for the business '[Redacted]'. |  |  |  | Reviewer Comment (2025-03-06): Documentation provided; exception cleared.<br>Buyer Comment (2025-03-06): Op agreement for [Redacted] was included in the initial package/loan file- please cancel exception | 03/06/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 20251074 |  |  | 33056852 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  | Copy of Operating agreement is not available for the business '[Redacted]'. |  |  |  | Reviewer Comment (2025-03-06): Documentation provided; exception cleared.<br>Buyer Comment (2025-03-06): W-9/EIN was in the original file sent to ac- please cancel | 03/06/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 20251074 |  |  | 33056853 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Signed copy of Articles of Organization/Formation document is not available for the business '[Redacted]'. |  |  |  | Reviewer Comment (2025-03-06): Documentation provided; exception cleared.<br>Buyer Comment (2025-03-06): Articles of Organization was included in the original package to [Redacted]- please cancel | 03/06/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 20251074 |  |  | 33056854 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  | Copy of certificate of good standing is not available for the business '[Redacted]'. |  |  |  | Reviewer Comment (2025-03-06): Documentation provided; exception cleared.<br>Buyer Comment (2025-03-06): Please see attached SOS Cert of good standing. SOS was in original file- please cancel | 03/06/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 20251074 |  |  | 33056855 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  | Signed copy of Corporate Resolution document is not available for the business '[Redacted]'. |  |  |  | Reviewer Comment (2025-03-06): Documentation provided; exception cleared.<br>Buyer Comment (2025-03-06): Corp Resolution was in the original file sent to [Redacted]- please cancel exception | 03/06/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 20251074 |  |  | 33056856 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower has [Redacted] rate/term refinances with Arc submitted for $[Redacted], lender exception in file. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC | Reviewer Comment (2025-03-06): Lender exception in file. |  |  | 03/06/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 20251074 |  |  | 33056857 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal not ordered through an [Redacted], lender exception in file. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC | Reviewer Comment (2025-03-06): Lender exception in file. |  |  | 03/06/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 20251074 |  |  | 33056858 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Unable to document primary housing payment, lender exception in file. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC | Reviewer Comment (2025-03-06): Lender exception in file. |  |  | 03/06/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 20251074 |  |  | 33056859 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-03-07): Lender elects to waive this exception. |  |  | 03/07/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 20251075 |  |  | 33056866 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower has [Redacted] rate/term refinances with [Redacted] submitted for $[Redacted], lender exception in file. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC | Reviewer Comment (2025-03-06): Lender exception in file. |  |  | 03/06/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | B A |  | N/A | No |
|  | 20251075 |  |  | 33056867 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal not ordered through an [Redacted], lender exception in file. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC | Reviewer Comment (2025-03-06): Lender exception in file. |  |  | 03/06/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | B A |  | N/A | No |
|  | 20251075 |  |  | 33056868 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Unable to document primary housing payment, lender exception in file. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC | Reviewer Comment (2025-03-06): Lender exception in file. |  |  | 03/06/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | B A |  | N/A | No |
|  | 20251075 |  |  | 33056870 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-03-07): Lender elects to waive this exception. |  |  | 03/07/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | B A |  | N/A | No |
|  | 20251076 |  |  | 33056872 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower has [Redacted] rate/Term refinances with [Redacted] submitted for $[Redacted], lender exception in file. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC | Reviewer Comment (2025-03-06): Lender exception in file. |  |  | 03/06/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 20251076 |  |  | 33056873 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal not ordered through an [Redacted], lender exception in file. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC | Reviewer Comment (2025-03-06): Lender exception in file. |  |  | 03/06/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 20251076 |  |  | 33056874 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Unable to document primary housing payment, lender exception in file. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC | Reviewer Comment (2025-03-06): Lender exception in file. |  |  | 03/06/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 20251076 |  |  | 33056875 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-03-07): Lender elects to waive this exception. |  |  | 03/07/2025 | 2 C B |  | CA | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 20251077 |  |  | 33056893 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower has [Redacted]rate/Term refinances with Arc submitted for $[Redacted], lender exception in file. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC | Reviewer Comment (2025-03-07): Lender exception in file. |  |  | 03/07/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | B A |  | N/A | No |
|  | 20251077 |  |  | 33056894 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Appraisal not ordered through an [Redacted], lender exception in file. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC | Reviewer Comment (2025-03-07): Lender exception in file. |  |  | 03/07/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | B A |  | N/A | No |
|  | 20251077 |  |  | 33056895 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Unable to document primary housing payment, lender exception in file. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC | Reviewer Comment (2025-03-07): Lender exception in file. |  |  | 03/07/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | B A |  | N/A | No |
|  | 20251077 |  |  | 33056896 |  | Credit | Loan Package Documentation | Closing / Title | Loan Package Documentation | Missing Document: Closing Protection Letter not provided |  |  | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-03-07): Lender elects to waive this exception. |  |  | 03/07/2025 | 2 B |  | CA | Investment | Refinance - Rate/Term | B A |  | N/A | No |
|  | 20251079 |  |  | 33220341 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. | Calculated investor qualifying total debt ratio of ___ exceeds Guideline total debt ratio of ___. | A lender exception was provided for dti over [Redacted], allowing up to [Redacted] , however missing documentation for [Redacted] bonus income, resulting in higher dti of [Redacted] . | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | $[Redacted]residual income.<br>Fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-04-02): Lender exception in file.<br>Reviewer Comment (2025-04-02): EXCEPTION HISTORY - Exception Explanation was updated on[Redacted] PRIOR Exception Explanation: Calculated investor qualifying total debt ratio of [Redacted] exceeds Guideline total debt ratio of [Redacted]<br>Buyer Comment (2025-03-31): WVOE with bonus income uploaded to [Redacted] |  |  | 04/02/2025 | 2 C B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20251079 |  |  | 33220342 |  | 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. | A lender exception was provided for dti over [Redacted] , however missing documentation for [Redacted] bonus income, resulting in higher dti of [Redacted] . |  |  |  | Reviewer Comment (2025-04-02): WVOE provided, exception cleared.<br>Buyer Comment (2025-03-31): WVOE with bonus income uploaded to [Redacted] | 04/02/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
|  | 20251079 |  |  | 33220344 |  | 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 $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-03-28): Sufficient Cure Provided At Closing |  | 03/28/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
|  | 20251079 |  |  | 33220345 |  | Compliance | Compliance | Federal Compliance | TILA | ARM Disclosure Timing Testing | TIL variable rate disclosure: ARM loan program disclosure not provided to the borrower within three ([Redacted]) days of the loan becoming an ARM. | Evidence [Redacted] loan program disclosure was provided to the borrower within [Redacted] of the loan becoming an [Redacted] not in file. |  |  |  | Reviewer Comment (2025-04-04): Documentation provided; exception cleared.<br>Buyer Comment (2025-04-02): ARM disclosure<br>Buyer Comment (2025-04-02): ARM docs | 04/04/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20251079 |  |  | 33220346 |  | 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. | A lender exception was provided for dti over [Redacted] , however missing documentation for [Redacted] bonus income, resulting in higher dti of [Redacted] . |  |  |  | Reviewer Comment (2025-04-02): WVOE provided, exception cleared.<br>Buyer Comment (2025-03-31): WVOE with bonus income | 04/02/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20251079 |  |  | 33220347 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General ATR Provision Investor and Non QM DTIs match and both significantly exceed Guidelines | Ability to Repay (Dodd-Frank 2014): The DTI calculated in accordance with the Lenders Guidelines and [Redacted](c)([Redacted]) of [Redacted]% significantly exceeds the guideline maximum of [Redacted]%. (DTI Exception requires compelling compensating factors to consider regrading to EV2-B.) | A lender exception was provided for dti over [Redacted] , however missing documentation for [Redacted] bonus income, resulting in higher dti of [Redacted] . |  |  |  | Reviewer Comment (2025-04-02): WVOE provided, exception cleared.<br>Buyer Comment (2025-03-31): WVOE with bonus income uploaded to [Redacted] | 04/02/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20251079 |  |  | 33220348 |  | 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 [Redacted](c)([Redacted]) of [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | DTI over [Redacted] , lender exception in file. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | $[Redacted]residual income.<br>Fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-04-02): Lender exception in file. |  |  | 04/02/2025 | 2 B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20251082 |  |  | 33183126 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Interim Closing Disclosure Timing Test | TILA-RESPA Integrated Disclosure - Corrected Closing Disclosure provided on or after [Redacted] contains a change in APR and was not received by borrower at least three ([Redacted]) business days prior to consummation | Corrected Closing Disclosure provided on or after [Redacted] contains a change in [Redacted] and was not received by borrower at least [Redacted] business days prior to consummation. |  |  |  | Reviewer Comment (2025-03-30): [Redacted] received interim CD and VCC.<br>Buyer Comment (2025-03-27): See docs provided | 03/30/2025 |  |  | 1 C A |  | ID | Primary | Purchase | TRID timing exception, no remediation available. C A | Non QM | Non QM | No |
|  | 20251082 |  |  | 33183128 |  | 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 $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . No valid changed circumstance was provided at time the appraisal fee increased.. No cure was provided to the Borrower. |  |  |  | Reviewer Comment (2025-03-30): [Redacted] received VCC.<br>Buyer Comment (2025-03-27): See docs provided | 03/30/2025 |  |  | 1 C A |  | ID | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
|  | 20251083 |  |  | 33183103 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Homeowners Insurance Included In Escrow Test | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether Homeowners Insurance is included in escrow. | Projected Payments: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether Homeowners Insurance is included in escrow. Page 1 stated an escrow account, while page 4 states an escrow acciunt was declined. |  |  |  | Reviewer Comment (2025-03-27): [Redacted]received PCCD and LOE<br>Buyer Comment (2025-03-26): See Uploaded LOX, Rate Lock Confirmation, Sub Escrow Statement and Final Closing Statement attached<br>Buyer Comment (2025-03-26): LOX from Lender<br>Buyer Comment (2025-03-26): Rate Lock Confirmation dated [Redacted]<br>Buyer Comment (2025-03-26): Final Closing Statement<br>Buyer Comment (2025-03-26): Sub-Escrow Statement<br>Reviewer Comment (2025-03-21): [Redacted]received Corrected CD. Missing copy of LOE to borrower which accompanied the PCCD to finalize.<br>Buyer Comment (2025-03-20): See uploaded PCCD |  | 03/27/2025 |  | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
|  | 20251083 |  |  | 33183104 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Costs Year 1 Underdisclosed - [Redacted] | TILA-RESPA Integrated Disclosure - Loan Disclosures: Amount of Estimated Property Costs over Year [Redacted] of on Final Closing Disclosure provided on [Redacted] are underdisclosed | Amount of Estimated Property Costs over Year [Redacted] of on Final Closing Disclosure provided on [Redacted] are under disclosed. Page 1 stated an escrow account, while page 4 states an escrow account was declined. |  |  |  | Reviewer Comment (2025-03-31): [Redacted]received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2025-03-31): Rate Lock Confirmation dated [Redacted]<br>Buyer Comment (2025-03-31): LOX from Lender dated [Redacted]<br>Buyer Comment (2025-03-31): PCCD dated [Redacted]<br>Reviewer Comment (2025-03-28): Escrow amounts on page [Redacted]show an annual amount of [Redacted]. The total monthly escrow amount on page [Redacted] is [Redacted] The non-escrowed amount [Redacted] does not appear to calculate to an annual real estate cost. Please provide documented support of the[Redacted] or PCCD, LOE and proof of mailing of corrected amounts.<br>Buyer Comment (2025-03-28): See uploaded PCCD dated [Redacted]<br>Reviewer Comment (2025-03-27): Page [Redacted]is missing is missing the non-escrowed amounts. Please provide PCCD with page [Redacted]completed, LOE, and proof of mailing.<br>Buyer Comment (2025-03-26): See Uploaded LOX, Rate Lock Confirmation, Sub Escrow Statement and Final Closing Statement attached to condition[Redacted]<br>Reviewer Comment (2025-03-21): Corrected CD issued [Redacted] page [Redacted] did not reflect the non-escrow property costs. Corrected CD & LOE to borrower to cure.<br>Buyer Comment (2025-03-20): See uploaded PCCD attached to condition [Redacted] |  | 03/31/2025 |  | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
|  | 20251083 |  |  | 33183105 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Property Taxes Included In Escrow | TILA-RESPA Integrated Disclosure - Projected Payments: Final Closing Disclosure provided on[Redacted]incorrectly disclosed whether property taxes are included in escrow. | Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether property taxes are included in escrow. Page 1 stated an escrow account, while page 4 states an escrow acciunt was declined. |  |  |  | Reviewer Comment (2025-03-27): [Redacted] received PCCD and LOE.<br>Buyer Comment (2025-03-26): See Uploaded LOX, Rate Lock Confirmation, Sub Escrow Statement and Final Closing Statement attached to condition [Redacted]<br>Reviewer Comment (2025-03-21): [Redacted]received Corrected CD. Missing copy of LOE to borrower which accompanied the PCCD to finalize.<br>Buyer Comment (2025-03-20): See uploaded PCCD attached to condition [Redacted] |  | 03/27/2025 |  | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
|  | 20251083 |  |  | 33183106 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. Page 1 stated an escrow account, while page 4 states an escrow acciunt was declined. |  |  |  | Reviewer Comment (2025-03-28): [Redacted] received PCCD and LOE.<br>Reviewer Comment (2025-03-28): Escrow amounts on page [Redacted] show an annual amount of [Redacted]. The total monthly escrow amount on page 1 is [Redacted]. The non-escrowed amount [Redacted] does not appear to calculate to an annual real estate cost. Please provide documented support of the [Redacted] or PCCD, LOE and proof of mailing of corrected amounts.<br>Buyer Comment (2025-03-28): See uploaded PCCD dated [Redacted]<br>Reviewer Comment (2025-03-27): Page [Redacted] is missing is missing the non-escrowed amounts. Please provide PCCD with page [Redacted] completed, LOE, and proof of mailing.<br>Buyer Comment (2025-03-26): See Uploaded LOX, Rate Lock Confirmation, Sub Escrow Statement and Final Closing Statement attached to condition[Redacted]<br>Reviewer Comment (2025-03-21): Corrected CD issued [Redacted] page [Redacted]did not reflect the non-escrow property costs. Corrected CD & LOE to borrower to cure.<br>Buyer Comment (2025-03-20): See uploaded PCCD attached to condition [Redacted] |  | 03/28/2025 |  | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
|  | 20251083 |  |  | 33183107 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow - Property Costs Year 1 | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] did not disclose Estimated Property Costs over Year [Redacted]for loan with no escrow account established. | Final Closing Disclosure provided on [Redacted] did not disclose Estimated Property Costs over Year 1 for loan with no escrow account established. Page 1 stated an escrow account, while page 4 states an escrow account was declined. |  |  |  | Reviewer Comment (2025-03-31): [Redacted]received Letter of Explanation & Corrected Closing Disclosure.<br>Buyer Comment (2025-03-31): Rate Lock Confirmation dated [Redacted]<br>Buyer Comment (2025-03-31): LOX from Lender dated [Redacted]<br>Buyer Comment (2025-03-31): PCCD dated[Redacted]<br>Reviewer Comment (2025-03-28): Escrow amounts on page[Redacted] show an annual amount of $[Redacted]. The total monthly escrow amount on page 1 is[Redacted] The non-escrowed amount [Redacted] does not appear to calculate to an annual real estate cost. Please provide documented support of the [Redacted] or PCCD, LOE and proof of mailing of corrected amounts.<br>Reviewer Comment (2025-03-28): cured in error.<br>Reviewer Comment (2025-03-28): [Redacted] received PCCD and LOE.<br>Buyer Comment (2025-03-28): See uploaded PCCD dated [Redacted]<br>Reviewer Comment (2025-03-27): Page [Redacted] is missing is missing the non-escrowed amounts. Please provide PCCD with page [Redacted] completed, LOE, and proof of mailing.<br>Buyer Comment (2025-03-26): See Uploaded LOX, Rate Lock Confirmation, Sub Escrow Statement and Final Closing Statement attached to condition[Redacted]<br>Reviewer Comment (2025-03-21): Corrected CD issued [Redacted] page [Redacted]did not reflect the non-escrow property costs. Corrected CD & LOE to borrower to cure.<br>Buyer Comment (2025-03-20): See uploaded PCCD attached to condition[Redacted] |  | 03/31/2025 |  | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
|  | 20251083 |  |  | 33183108 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Will Not Have Escrow Account | TILA-RESPA Integrated Disclosure - Loan Disclosures: Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. | Final Closing Disclosure provided on [Redacted] incorrectly disclosed whether the loan will have an escrow account. Page 1 stated an escrow account, while page 4 states an escrow account was declined. |  |  |  | Reviewer Comment (2025-03-28): [Redacted] received Letter of Explanation & Corrected Closing Disclosure.<br>Reviewer Comment (2025-03-27): Page [Redacted] is missing is missing the non-escrowed amounts. Please provide PCCD with page [Redacted] completed, LOE, and proof of mailing.<br>Buyer Comment (2025-03-26): See Uploaded LOX, Rate Lock Confirmation, Sub Escrow Statement and Final Closing Statement attached to condition [Redacted]<br>Reviewer Comment (2025-03-21): Corrected CD issued [Redacted] page [Redacted]did not reflect the non-escrow property costs. Corrected CD & LOE to borrower to cure.<br>Buyer Comment (2025-03-20): See uploaded PCCD attached to condition[Redacted] |  | 03/28/2025 |  | 2 C B |  | CA | Primary | Refinance - Cash-out - Other | Letter of Explanation & Corrected Closing Disclosure B A | Non QM | Non QM | Yes |
|  | 20251083 |  |  | 33183109 |  | 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[Redacted], prior to three ([Redacted]) business days from transaction date of [Redacted] | Subject loan transaction disbursed on [Redacted] , prior to three business days from transaction date of [Redacted] . |  |  |  | Reviewer Comment (2025-03-28): PCCD provided, exception cleared.<br>Buyer Comment (2025-03-26): See Uploaded LOX, Rate Lock Confirmation, Sub Escrow Statement and Final Closing Statement attached to condition[Redacted]<br>Reviewer Comment (2025-03-20): The Final Closing Statement stamped and/or signed is required for disbursement date validation.<br>Buyer Comment (2025-03-20): See uploaded PCCD attached to condition [Redacted] | 03/28/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C B | Non QM | Non QM | Yes |
|  | 20251086 |  |  | 33208825 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Maximum Loan Amount discrepancy. | Note loan amount of ___ is greater than Guideline maximum loan amount of ___. | Note loan amount of $[Redacted] is greater than Guideline maximum loan amount of $[Redacted] . Lender exception with approval was provided in the loan file. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. | $[Redacted]residual income.<br>DTI is [Redacted]% below guideline max. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-04-09): Lender exception in file. |  |  | 04/09/2025 | 2 B |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
|  | 20251086 |  |  | 33210218 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Missing evidence of receipt of gift funds in the amount of [Redacted] . |  |  |  | Reviewer Comment (2025-04-16): Documentation provided; exception cleared.<br>Seller Comment (2025-04-14): Attached the wire for the gift funds in the amount of [Redacted] | 04/16/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
|  | 20251086 |  |  | 33210302 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - ATR Risk | Ability to Repay (Dodd-Frank [Redacted]): Originator Loan Designation of Non QM does not match Due Diligence Loan Designation of ATR Risk. | The loan is at ATR Risk due to missing asset documentation. Unable to document trnsfer of Gift Funds used as asset in the amount of [Redacted] . |  |  |  | Reviewer Comment (2025-04-16): Documentation provided; exception cleared.<br>Seller Comment (2025-04-14): Waterfall to Exception [Redacted] | 04/16/2025 |  |  | 1 B A C |  | CA | Primary | Refinance - Rate/Term | Lender to provide updated ATR/QM Loan Designation C B | Non QM | Non QM | Yes |
|  | 20251086 |  |  | 33210304 |  | 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 is at ATR Risk due to missing asset documentation. Unable to document transfer of Gift Funds used as asset in the amount of [Redacted] . |  |  |  | Reviewer Comment (2025-04-16): Documentation provided; exception cleared.<br>Seller Comment (2025-04-14): Waterfall to Exception [Redacted] | 04/16/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C B A | Non QM | Non QM | No |
|  | 20251088 |  |  | 33108654 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Waiving escrows, lender exception provided. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC | Reviewer Comment (2025-03-27): Lender exception in file. |  |  | 03/27/2025 | 2 B |  | NY | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 20251090 |  |  | 33200061 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception for paystub not showing YTD income without [Redacted] transcripts available. Approval in file. | Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. | [Redacted] months reserves.<br>LTV/CLTV is [Redacted]% below guideline max.<br>LTV/CLTV is [Redacted]% below guideline max. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-04-08): Lender exception in file. |  |  | 04/08/2025 | 2 B |  | FL | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 20251093 |  |  | 33125273 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception is given for vesting in an LLC is approved with a [Redacted] pricing hit. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] months reserves.<br>Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-03-28): Lender exception in file. |  |  | 03/28/2025 | 2 B |  | NV | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 20251093 |  |  | 33125517 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing letter of explanation stating reason the subject property is vacant. |  |  |  | Reviewer Comment (2025-04-08): Documentation provided; exception cleared.<br>Seller Comment (2025-04-07): Attached the LOE | 04/08/2025 |  |  | 1 C A |  | NV | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 20251099 |  |  | 33356362 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  | Reviewer Comment (2025-04-23): RTC provided, exception cleared.<br>Buyer Comment (2025-04-21): See docs provided | 04/23/2025 |  |  | 1 C A |  | TX | Primary | Refinance - Rate/Term | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Non QM | Non QM | Yes |
|  | 20251101 |  |  | 33356345 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-04-09): Received and associated Title Final with title policy amount $[Redacted]. Exception cleared. | 04/09/2025 |  |  | 1 A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251101 |  |  | 33356346 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2025-04-09): Received and associated Title Final with title policy amount $[Redacted]. Exception cleared.<br>Buyer Comment (2025-04-09): See docs provided | 04/09/2025 |  |  | 1 B A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251101 |  |  | 33356348 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing passports for borrower and coborrower. |  |  |  | Reviewer Comment (2025-04-21): Documentation provided; exception cleared.<br>Buyer Comment (2025-04-17): See docs provided<br>Reviewer Comment (2025-04-11): [Redacted] in original file. Missing copy of visa or passport.<br>Buyer Comment (2025-04-09): See docs provided | 04/21/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251102 |  |  | 33183139 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy amount is blank. A Final policy was not provided. |  |  |  | Reviewer Comment (2025-04-01): Received and associated Supplemental Title preliminary title policy amount [Redacted]. Exception cleared.<br>Buyer Comment (2025-03-28): See supplemental doc with amount<br>Reviewer Comment (2025-03-27): Received preliminary title report did not disclose the amount of title insurance coverage. Please Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. Exception remains<br>Buyer Comment (2025-03-27): See docs provided | 04/01/2025 |  |  | 1 B A |  | CA | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
|  | 20251103 |  |  | 33318453 |  | Credit | Disclosure | Missing Document | Disclosure | E-sign Consent Agreement is missing. |  |  |  |  |  | Reviewer Comment (2025-04-03): Received and associated E-sign Consent Agreement document. Exception cleared.<br>Buyer Comment (2025-04-02): E-sign consent | 04/03/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 20251103 |  |  | 33318455 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. |  |  |  | Reviewer Comment (2025-04-11): Documentation provided; exception cleared.<br>Buyer Comment (2025-04-09): Uploaded to [Redacted]<br>Reviewer Comment (2025-04-04): We need a copy of the appraisal that was provided to the borrower on [Redacted]<br>Buyer Comment (2025-04-02): Appraisal receipt uploaded to [Redacted] | 04/11/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 20251103 |  |  | 33318456 |  | Compliance | Compliance | Federal Compliance | Federal HPML | (Fed HPML Provision) Federal Higher-Priced Mortgage Loan (Timing of Appraisal to Consumer) | TILA HPML Appraisal Rule (Dodd-Frank [Redacted]): Creditor did not provide a copy of each valuation to applicant three ([Redacted]) business days prior to consummation. | Evidence of Borrower receipt of the appraisal with report date [Redacted] was not provided. |  |  |  | Reviewer Comment (2025-04-11): Documentation provided; exception cleared.<br>Buyer Comment (2025-04-09): Earlier version of appraisal<br>Reviewer Comment (2025-04-04): We need a copy of the appraisal that was provided to the borrower on [Redacted]<br>Buyer Comment (2025-04-02): [Redacted] | 04/11/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 20251103 |  |  | 33318458 |  | 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 Underwriting Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Underwriting Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. No valid changed circumstance was provided. No cure was provided to the Borrower. |  |  |  | Reviewer Comment (2025-04-03): [Redacted]Received COC dated [Redacted]with additional information.<br>Buyer Comment (2025-04-02): COC | 04/03/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
|  | 20251104 |  |  | 33244215 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved to waive escrows at [Redacted] LTV. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | $[Redacted] residual income<br>[Redacted] months reserves.<br>dti is [Redacted]% below guideline max.<br>Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-04-03): Lender exception in file. |  |  | 04/03/2025 | 2 B |  | AZ | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 20251105 |  |  | 33189454 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exceptions for tradelines and entity created[Redacted] days are approved contingent on [Redacted] months reserves prior to closing. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | FICO: [Redacted] | SitusAMC,Aggregator<br>SitusAMC | Reviewer Comment (2025-04-07): The client elects to waive |  |  | 04/07/2025 | 2 B |  | NJ | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 20251225 |  |  | 33193741 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception for First Time Investor using short term rental income. Contingent upon a minimum [Redacted] [Redacted] score and minimum [Redacted] months of reserves. | Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. | FICO: [Redacted]<br>[Redacted] months of reserves. | SitusAMC | Reviewer Comment (2025-04-07): The client elects to waive. |  |  | 04/07/2025 | 2 B |  | TN | Investment | Purchase | B A |  | N/A | No |
|  | 20251228 |  |  | 33497284 |  | Credit | Loan Package Documentation | Closing / Title | Missing Document | Missing Document: Rider - Other not provided |  | Accommodation Rider is missing. |  |  |  | Reviewer Comment (2025-05-19): Received and associated Accommodation Rider. Exception Cleared.<br>Buyer Comment (2025-05-16): See Updated, Executed Accommodation Rider<br>Reviewer Comment (2025-05-15): The Rider provided is unsigned.<br>Buyer Comment (2025-05-13): See uploaded Accomodation Wire | 05/19/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 20251229 |  |  | 33102980 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception is approved for escrow waiver. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | $[Redacted] residual income.<br>[Redacted] months reserves.<br>LTV/CLTV is [Redacted] below guideline max.<br>LTV/CLTV is [Redacted] below guideline max.<br>Fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-03-26): Lender exception in file. |  |  | 03/26/2025 | 2 B |  | NJ | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 20251230 |  |  | 33483905 |  | 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. | Loan Estimate not delivered or placed in the mail to Borrower(s) within three ([Redacted]) business days of application. |  |  |  | Reviewer Comment (2025-05-02): Received documentation of application date.<br>Buyer Comment (2025-04-30): Proof of previous loan cancellation and lender certification<br>Reviewer Comment (2025-04-21): [Redacted]received Approval document; however, we require Denial letter in order to verify application dated [Redacted] was cancelled or denied.<br>Buyer Comment (2025-04-18): Please review docs uploaded[Redacted]. Lender acknowledges application date was from a previous cancelled file.<br>Reviewer Comment (2025-04-18): [Redacted]received LOX for the file did not have the [Redacted]pieces of inforamtion for the application date until[Redacted]. Would need LOE on what information was not submitted/obtained in the [Redacted]pieces of information and when this information was submitted to constitute an application for purposes of RegZ.<br>Buyer Comment (2025-04-17): \*\*Per Lender: The issue is that it started as an open/close loan- attached is the initial LE that was issued within the correct time frame and the proof that the loan was cancelled. That is why the credit was run earlier . <br>[Redacted]- application date [Redacted]<br> Loan Estimate issued [Redacted]<br> Loan cancelled [Redacted] program changed and moved to [Redacted]<br>[Redacted]application date[Redacted]<br> Loan estimate date [Redacted]<br>Buyer Comment (2025-04-17): \*\*Per Lender: The issue is that it started as an open/close loan- attached is the initial LE that was issued within the correct time frame and the proof that the loan was cancelled. That is why the credit was run earlier . <br>[Redacted]- application date [Redacted]<br> Loan Estimate issued [Redacted]<br> Loan cancelled [Redacted] program changed and moved to [Redacted]<br>[Redacted]application date [Redacted]<br> Loan estimate date[Redacted]<br>Buyer Comment (2025-04-17): LOE for dates<br>Reviewer Comment (2025-04-11): [Redacted]received rebuttal and disclosure tracking that application date is [Redacted]. However, there are other loan documents that reflect discrepancies in the actual application date. See Doc ID [Redacted]Credit Report which is dated [Redacted] and is in line with the[Redacted] application date Additionally the preliminary Title Report, Doc ID [Redacted], is dated [Redacted]. Would need LOE on what information was not submitted/obtained and when this information was submitted to constitute an application for purposes of RegZ.<br>Buyer Comment (2025-04-09): Application date LOE attached. System glitch. Has been fixed since.<br>Reviewer Comment (2025-04-03): The timing for the LE under [Redacted])(1)(iii) is [Redacted]business days from application. In the event a mortgage broker receives the [Redacted]pieces of information that constitute an application, the timing will start from the time the broker receives the application under [Redacted]e) [Redacted])(ii). As a result, the timing for the initial LE on wholesale loans is the earlier of the creditor or broker application date. On this loan, the LE should have been issued within [Redacted]business days of the broker application date of [Redacted].<br>Buyer Comment (2025-04-01): Initial LE<br>Buyer Comment (2025-04-01): E consent | 05/02/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A B | Non QM | Non QM | No |
|  | 20251230 |  |  | 33483906 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted]exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-03-25): Sufficient Cure Provided At Closing |  | 03/25/2025 |  | 1 A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure A B | Non QM | Non QM | Yes |
|  | 20251230 |  |  | 33483907 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-04-02): Title provided, exception cleared. | 04/02/2025 |  |  | 1 A |  | CA | Primary | Refinance - Rate/Term | C A B | Non QM | Non QM | No |
|  | 20251230 |  |  | 33483908 |  | Compliance | TRID | Document Error | TRID | Closing Disclosure: Dates are not in chronological order. |  | The CD dated [Redacted] was signed by the borrower on [Redacted]. |  |  |  | Reviewer Comment (2025-05-06): [Redacted]received lender attestation and electronic disclosure tracing confirming CD was issued on [Redacted]not [Redacted]<br>Buyer Comment (2025-05-06): LOE and proof of delivery.<br>Reviewer Comment (2025-04-21): Please accept this level [Redacted] exception as is.<br>Buyer Comment (2025-04-17): LOE.<br>Reviewer Comment (2025-04-07): The cd is in the file so we had to capture, please accept as is.<br>Buyer Comment (2025-04-03): But the CD dated [Redacted]that was e-signed by the borrower on [Redacted] appears to be a copy of the closing documents sent early (sent on a [Redacted]for a [Redacted]closing). We have an initial CD dated [Redacted] and a wet signed Final CD dated and signed [Redacted].<br>Reviewer Comment (2025-04-02): Please accept this level [Redacted], informational exception as is.<br>Buyer Comment (2025-03-31): Final CD dated and signed [Redacted] | 05/06/2025 |  |  | 1 B A |  | CA | Primary | Refinance - Rate/Term | C A B | Non QM | Non QM | No |
|  | 20251230 |  |  | 33483909 |  | Credit | Title | General | Title | Title Policy Coverage is less than Original Loan Amount. |  |  |  |  |  | Reviewer Comment (2025-04-02): Title provided, exception cleared.<br>Buyer Comment (2025-04-01): Loan amount on page [Redacted] | 04/02/2025 |  |  | 1 B A |  | CA | Primary | Refinance - Rate/Term | C A B | Non QM | Non QM | No |
|  | 20251232 |  |  | 33483995 |  | 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 $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-10): Sufficient Cure Provided At Closing |  | 04/10/2025 |  | 1 A |  | CA | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 20251232 |  |  | 33483996 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy amount is blank. A Final policy was not provided. |  |  |  | Reviewer Comment (2025-04-18): Received and associated Supplemental Title preliminary title policy amount $[Redacted]. Exception cleared.<br>Buyer Comment (2025-04-16): see docs provided | 04/18/2025 |  |  | 1 B A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
|  | 20251232 |  |  | 33483998 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing 1120S and K-1's for [Redacted]. |  |  |  | Reviewer Comment (2025-04-21): Received and associated Letter of Explanation document for [Redacted]. Exception Cleared.<br>Buyer Comment (2025-04-17): See docs provided | 04/21/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
|  | 20251234 |  |  | 33425321 |  | Credit | Missing Document | General | Missing Document | Missing Document: Lease Agreement not provided |  | Per the appraisal, subject is rented. Provide current lease agreement. |  |  |  | Reviewer Comment (2025-04-21): Received and associated Vacation Rental Income Statement ([Redacted], [Redacted], etc.) document. Exception Cleared.<br>Buyer Comment (2025-04-17): See docs provided | 04/21/2025 |  |  | 1 C A |  | AZ | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 20251235 |  |  | 33111954 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved to close without stove installation. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | $[Redacted] residual income.<br>[Redacted] months reserves.<br>The DTI is [Redacted] below guideline max.<br>Fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-04-01): Lender exception in file.<br>Seller Comment (2025-03-28): The approved exception is on page [Redacted] of [Redacted]. |  |  | 04/01/2025 | 2 C B |  | OH | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20251235 |  |  | 33137734 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Zero Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Zero Percent Fee Tolerance exceeded for Appraisal Re-Inspection Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-03-27): Sufficient Cure Provided At Closing |  | 03/27/2025 |  | 1 A |  | OH | Primary | Purchase | Final CD evidences Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20251236 |  |  | 33425245 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | An [Redacted] lender exception provided for business existing for less than [Redacted], however missing lender exception from [Redacted]. | The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. | The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-05-12): The client elects to waive.<br>Reviewer Comment (2025-04-29): The Seller's exception approval was provided.<br>Buyer Comment (2025-04-25): See docs provided |  |  | 05/12/2025 | 2 C B |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20251236 |  |  | 33425246 |  | 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 $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-17): Sufficient Cure Provided At Closing |  | 04/17/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
|  | 20251236 |  |  | 33425247 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Missing cash flow analysis required to use business assets for closing. |  |  |  | Reviewer Comment (2025-04-28): Received and associated Cash flow analysis document. Exception cleared.<br>Buyer Comment (2025-04-24): See docs provided | 04/28/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20251237 |  |  | 33484097 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted]exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-22): Sufficient Cure Provided At Closing |  | 04/22/2025 |  | 1 A |  | WY | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 20251237 |  |  | 33484101 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing [Redacted] months rental history for prior primary. |  |  |  | Reviewer Comment (2025-04-30): Prior primary rental history was provided.<br>Buyer Comment (2025-04-28): See docs provided | 04/30/2025 |  |  | 1 C A |  | WY | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
|  | 20251238 |  |  | 33175314 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception to use lower of 1007 rental income without new lease receipt documentation is approved. A [Redacted] pricing hit applies. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] months reserves.<br>Fico is [Redacted]points above guideline minimum. | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-04-04): Lender exception in file |  |  | 04/04/2025 | 2 B |  | NY | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 20251239 |  |  | 33484307 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | The file was missing a copy of Business Purpose Certificate. |  |  |  | Reviewer Comment (2025-05-02): Received and associated Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-04-30): Business purpose | 05/02/2025 |  |  | 1 C A |  | GA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 20251239 |  |  | 33484308 |  | Credit | Missing Document | General | Missing Document | Missing Document: Cash-Out Utilization not provided |  | The file was missing a copy of Cash-Out Utilization letter or Business purpose certificate. |  |  |  | Reviewer Comment (2025-05-02): Received and associated Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-04-30): Business purpose uploaded to [Redacted]. | 05/02/2025 |  |  | 1 C A |  | GA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 20251239 |  |  | 33484309 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | For Professional Investors: Investors must have a history of owning and managing commercial or residential real estate in the United States for at least [Redacted] months prior to note date in the last [Redacted] years. Experience can be documented by a letter of explanation (LOE) by borrower/guarantor detailing relevant real estate experience supported by a property profile report or other 3rd party documentation. [Redacted] reserves the right to request specific documentation to validate investor experience. |  |  |  | Reviewer Comment (2025-04-24): Documentation provided; exception cleared.<br>Buyer Comment (2025-04-22): LOE for landlord history | 04/24/2025 |  |  | 1 C A |  | GA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 20251240 |  |  | 33497285 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report was missing in the file. |  |  |  | Reviewer Comment (2025-05-16): Received and associated Fraud Report document. Exception Cleared.<br>Buyer Comment (2025-05-15): See Uploaded Drive Report | 05/16/2025 |  |  | 1 C A |  | CT | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 20251240 |  |  | 33497286 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  | Note Addendum document was not provided in the file. |  |  |  | Reviewer Comment (2025-05-16): Received and associated Note Addendum - Prepayment document. Exception Cleared.<br>Buyer Comment (2025-05-15): See Uploaded Prepayment Addendum<br>Buyer Comment (2025-05-15): See Uploaded Prepayment Addendum to the Note | 05/16/2025 |  |  | 1 C A |  | CT | Investment | Refinance - Cash-out - Other | C A |  | N/A | Yes |
|  | 20251240 |  |  | 33497287 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  | OFAC Document was not provided in the file. |  |  |  | Reviewer Comment (2025-05-16): Received and associated Fraud Report document. Exception Cleared.<br>Buyer Comment (2025-05-15): See uploaded Drive Report | 05/16/2025 |  |  | 1 C A |  | CT | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 20251241 |  |  | 33216556 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception to use more than the borrower's business ownership for funds to close and reserves. Approval provided contingent on [Redacted] months reserves and [Redacted] of [Redacted] . | Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | LTV is [Redacted]% below guideline max.<br>Fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-04-10): Lender exception in file. |  |  | 04/10/2025 | 2 B |  | CA | Investment | Purchase | B A |  | N/A | No |
|  | 20251242 |  |  | 33397738 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Validation of the legitimacy of the CPA is required and was not provided. |  |  |  | Reviewer Comment (2025-05-13): Documentation provided; exception cleared.<br>Reviewer Comment (2025-05-12): Please provide CPA Verification or Validation. Exception remains.<br>Seller Comment (2025-05-08): The CPA Validation can be found on page [Redacted]. Please Cancel. | 05/13/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20251243 |  |  | 33483899 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Missing a cash flow analysis and borrower LOE or CPA letter stating use of business funds will not have a negative impact on business. |  |  |  | Reviewer Comment (2025-05-09): Received and associated Cash Flow analysis. Sufficient assets for closing and reserve requirement verified. Exception cleared.<br>Buyer Comment (2025-05-07): See docs provided with cash flow<br>Reviewer Comment (2025-04-22): Please Provide Cash flow analysis to verify no negative impact to business with use of business fund. Exception remains<br>Buyer Comment (2025-04-18): See docs provided<br>Reviewer Comment (2025-03-28): Missing cash flow analysis, exception remains.<br>Buyer Comment (2025-03-27): See docs provided | 05/09/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251245 |  |  | 33483925 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Less than [Redacted] months self-employment seasoning. An [Redacted] lender exception is in file, missing [Redacted] lender exception. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | $[Redacted] residual income.<br>The dti is [Redacted]% below guideline max.<br>Fico is [Redacted]points above guideline minimum. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-04-07): Lender exception in file.<br>Buyer Comment (2025-04-03): Lender exception approval |  |  | 04/07/2025 | 2 C B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20251245 |  |  | 33483926 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Private VOR with no cancelled checks. An [Redacted] lender exception is in file, missing [Redacted] lender exception. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | $[Redacted] residual income.<br>The dti is [Redacted]% below guideline max.<br>Fico is [Redacted]points above guideline minimum. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-04-07): Lender exception in file.<br>Buyer Comment (2025-04-03): Lender exception approval |  |  | 04/07/2025 | 2 C B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20251246 |  |  | 33483990 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception to not include departing residence in the DTI. Approval in file. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] months reserves.<br>DTI is [Redacted]% below guideline max.<br>Fico is [Redacted]points above guideline minimum. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-04-14): Lender exceptions in file. |  |  | 04/14/2025 | 2 B |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 20251246 |  |  | 33483991 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception to waive [Redacted] K-1. Borrower became a partner on [Redacted], and was previously W-2 wage earner. Document is not available. Approval in file. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] months reserves.<br>DTI is [Redacted]% below guideline max.<br>Fico is [Redacted]points above guideline minimum. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-04-14): Lender exceptions in file. |  |  | 04/14/2025 | 2 B |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 20251248 |  |  | 33425295 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  | Fraud Report was missing in the file. |  |  |  | Reviewer Comment (2025-04-08): Documentation provided; exception cleared.<br>Buyer Comment (2025-04-07): Fraud with OFAC uploaded to [Redacted]. | 04/08/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Rate/Term | D A C |  | N/A | No |
|  | 20251248 |  |  | 33425296 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  |  |  |  |  | Reviewer Comment (2025-04-08): Documentation provided; exception cleared.<br>Buyer Comment (2025-04-07): Fraud with OFAC | 04/08/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Rate/Term | D A C |  | N/A | No |
|  | 20251248 |  |  | 33425298 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | Secondary valuation is missing for securitization purposes. |  |  |  | Reviewer Comment (2025-04-08): CDA provided, exception cleared.<br>Buyer Comment (2025-04-07): CDA supporting value | 04/08/2025 |  |  | 1 D A |  | NY | Investment | Refinance - Rate/Term | D A C |  | N/A | No |
|  | 20251248 |  |  | 33425299 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Per guidelines, non-first time investor living rent free requires proof of [Redacted] month ownership and rental history on an REO. |  |  |  | Reviewer Comment (2025-04-25): Documentation provided; exception cleared.<br>Buyer Comment (2025-04-23): LOE<br>Reviewer Comment (2025-04-16): Guidelines require proof of [Redacted]month rental history for this scenario. Provide prior lease or Sch E, etc.<br>Buyer Comment (2025-04-14): The subject property is an REO property and he has owned it for greater than [Redacted] months per title, he also owned [Redacted] on his URLA for [Redacted]months according to the credit report and the [Redacted]mortgage statement given to show the address to match the[Redacted] credit report on the URLA. [Redacted] has been owned for greater than [Redacted]months see attached.<br>Reviewer Comment (2025-04-10): Missing evidence of [Redacted]month rental history on one. Can accept an LOE, lease, Sch E, etc.<br>Buyer Comment (2025-04-08): 1003 shows multiple REOs with mortgages tied to them. [Redacted] our of [Redacted] mortgages have payment histories greater than [Redacted]months ([Redacted]). | 04/25/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Rate/Term | D A C |  | N/A | No |
|  | 20251251 |  |  | 33400623 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Short reserves after deducting amount required for purchase of other REO. |  |  |  | Reviewer Comment (2025-05-16): An additional month's bank statement was provided.<br>Seller Comment (2025-05-14): Attached the [Redacted]Bank Statement for the [Redacted] Account ending in [Redacted] and updated 1003 and 1008.<br>Seller Comment (2025-05-14): Attached the [Redacted] Bank Statement for the [Redacted] Account ending in [Redacted]and updated 1003 and 1008.<br>Seller Comment (2025-05-14): Attached the [Redacted]Bank Statement for the [Redacted] Account ending in [Redacted]and updated 1003 and 1008. | 05/16/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
|  | 20251251 |  |  | 33400628 |  | Credit | Asset | Asset Documentation | Asset | Insufficient funds for Reserves. Guidelines require |  | Short funds for closing and reserves after deducting amount required for purchase of other REO. |  |  |  | Reviewer Comment (2025-05-16): An additional month's bank statement was provided.<br>Seller Comment (2025-05-14): Waterfall to Exception # [Redacted] | 05/16/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
|  | 20251251 |  |  | 33400632 |  | Credit | Business Purpose | General | Business Purpose | Insufficient funds for Reserves. |  | Short reserves after deducting amount required for purchase of other REO. |  |  |  | Reviewer Comment (2025-05-16): An additional month's bank statement was provided.<br>Seller Comment (2025-05-14): Waterfall to Exception # [Redacted] | 05/16/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Rate/Term | C A |  | N/A | No |
|  | 20251253 |  |  | 33425185 |  | 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 $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-08): Sufficient Cure Provided At Closing |  | 04/08/2025 |  | 1 A |  | NJ | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 20251256 |  |  | 33094967 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for closing in a layered entity. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] months reserves.<br>Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-03-25): Lender exception in file. |  |  | 03/25/2025 | 2 B |  | NJ | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 20251257 |  |  | 33425313 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. | Title Evidence: ___ |  |  |  |  |  | 04/14/2025 |  |  | 1 A |  | CA | Investment | Purchase | A |  | N/A | No |
|  | 20251261 |  |  | 33484297 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Title | Title Policy is Preliminary or Commitment, and not a Final Title Policy. |  |  |  |  |  | Reviewer Comment (2025-04-16): Received and associated Title Final with title policy amount [Redacted]. Exception cleared. | 04/16/2025 |  |  | 1 A |  | CA | Investment | Purchase | B A |  | N/A | No |
|  | 20251261 |  |  | 33484298 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title report in file did not disclose the amount of title insurance coverage. Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. |  |  |  | Reviewer Comment (2025-04-16): Received and associated Title Final with title policy amount [Redacted]. Exception cleared.<br>Buyer Comment (2025-04-14): See title work provided | 04/16/2025 |  |  | 1 B A |  | CA | Investment | Purchase | B A |  | N/A | No |
|  | 20251264 |  |  | 33484300 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Background Check not provided |  |  |  |  |  | Reviewer Comment (2025-04-23): Received and associated Fraud Report document. Exception Cleared.<br>Buyer Comment (2025-04-21): See docs provided | 04/23/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 20251264 |  |  | 33484301 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-04-23): Received and associated Fraud Report document. Exception Cleared.<br>Buyer Comment (2025-04-21): See docs provided | 04/23/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 20251264 |  |  | 33484302 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  |  |  |  |  | Reviewer Comment (2025-04-23): Received and associated Fraud Report document. Exception Cleared.<br>Buyer Comment (2025-04-21): See docs provided | 04/23/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 20251265 |  |  | 33484085 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Business Narrative document not provided |  |  |  | Reviewer Comment (2025-05-06): Received and associated Business narrative document for [Redacted]. Exception Cleared.<br>Buyer Comment (2025-05-05): Business narrative | 05/06/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 20251266 |  |  | 33425169 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-04-10): Received and associated Fraud Report document. Exception Cleared.<br>Buyer Comment (2025-04-09): Fraud report | 04/10/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 20251266 |  |  | 33425170 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Tax Certificate not provided |  | Tax verification was not provided. |  |  |  | Reviewer Comment (2025-04-10): Received and associated Tax Certificate document. Exception Cleared.<br>Buyer Comment (2025-04-09): Tax | 04/10/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 20251266 |  |  | 33425171 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  |  |  |  |  | Reviewer Comment (2025-04-10): Received and associated Fraud Report document. Exception Cleared.<br>Buyer Comment (2025-04-09): Fraud report uploaded to [Redacted]. | 04/10/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 20251266 |  |  | 33425172 |  | Credit | Legal / Regulatory / Compliance | Title / Lien Defect | Legal / Regulatory / Compliance | Final Title Policy is missing. No evidence of title in file. |  |  |  |  |  | Reviewer Comment (2025-04-10): Received and associated Title Commitment title policy amount $[Redacted]. Exception cleared.<br>Buyer Comment (2025-04-09): Loan amount<br>Buyer Comment (2025-04-09): Title | 04/10/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 20251266 |  |  | 33425175 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right to Cancel Missing | Truth in Lending Act: Notice of Right to Cancel was not provided. |  |  |  |  | Reviewer Comment (2025-04-11): Documentation provided; exception cleared.<br>Buyer Comment (2025-04-09): Right to cancel | 04/11/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Non QM | Non QM | Yes |
|  | 20251266 |  |  | 33425176 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted]exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-07): Sufficient Cure Provided At Closing |  | 04/07/2025 |  | 1 A |  | NY | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 20251268 |  |  | 33425187 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. |  |  |  | Reviewer Comment (2025-04-23): Received appraisal notice document confirms that the appraisal was delivery to borrower on [Redacted]. Exception cleared. | 04/23/2025 |  |  | 1 C A |  | NV | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 20251268 |  |  | 33425188 |  | 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. | Evidence of Borrower receipt of the appraisal with report date [Redacted]) was not provided. |  |  |  | Reviewer Comment (2025-04-23): Received appraisal notice document confirms that the appraisal was delivery to borrower on [Redacted] . Exception cleared.<br>Buyer Comment (2025-04-21): See docs provided | 04/23/2025 |  |  | 1 C A |  | NV | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 20251268 |  |  | 33425191 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Loan Estimate Seven Day Waiting Period | TILA-RESPA Integrated Disclosure: Loan Estimate was not delivered or placed in the mail to the borrower at least seven (7) business days prior to closing. | Loan Estimate was not delivered or placed in the mail to the borrower at least seven business days prior to closing. |  |  |  | Reviewer Comment (2025-04-17): [Redacted] received [Redacted] LE<br>Buyer Comment (2025-04-15): See docs provided | 04/17/2025 |  |  | 1 C A |  | NV | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
|  | 20251268 |  |  | 33425193 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing rent free letter for [Redacted] months prior to current rental. |  |  |  | Reviewer Comment (2025-04-17): Received and associated Rent Free Letter. Exception Cleared.<br>Buyer Comment (2025-04-15): See docs provided | 04/17/2025 |  |  | 1 C A D |  | NV | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 20251268 |  |  | 33425194 |  | 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. | Loan Estimate not delivered or placed in the mail to Borrower within [Redacted] business days of application. |  |  |  | Reviewer Comment (2025-04-16): [Redacted]received initial LE dated [Redacted].<br>Buyer Comment (2025-04-15): See docs provided | 04/16/2025 |  |  | 1 C A |  | NV | Primary | Purchase | D A C | Non QM | Non QM | No |
|  | 20251270 |  |  | 33149042 |  | Credit | Guideline | Guideline Issue | Guideline | Ineligible borrower per guidelines. |  | Per guidelines:[Redacted] are ineligible. Per the Note, trust a borrower on the subject loan and property is vesting in the trust. Lender exception provided in loan submission. | Borrower has owned the subject property for at least [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] months reserves.<br>Fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-04-07): Lender exception in file.<br>Seller Comment (2025-04-03): The exception is on page [Redacted]. Please Waive. |  |  | 04/07/2025 | 2 C B |  | CA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 20251271 |  |  | 33484025 |  | 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 $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Credit Report Fee was last disclosed as $[Redacted] on Loan Estimate but disclosed as $[Redacted] on Final Closing Disclosure dated [Redacted]. No valid changed circumstance was provided. Insufficient cure provided for all closing costs above the legal limit. |  |  |  | Reviewer Comment (2025-04-25): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. | 04/25/2025 |  |  | 1 C A |  | NV | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 20251271 |  |  | 33484026 |  | 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 Verification Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Verification Fee was last disclosed as $[Redacted]on Loan Estimate but disclosed as $[Redacted] on Final Closing Disclosure dated [Redacted]. No valid changed circumstance was provided. Insufficient cure provided for all closing costs above the legal limit. |  |  |  | Reviewer Comment (2025-04-25): [Redacted]received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-04-24): See cure provided |  | 04/25/2025 |  | 2 C B |  | NV | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 20251272 |  |  | 33484075 |  | 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 $[Redacted]exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. No valid changed circumstance was provided. No cure was provided to the Borrower. |  |  |  | Reviewer Comment (2025-05-06): [Redacted] received corrected PCCD and LOE.<br>Buyer Comment (2025-05-02): The reimbursement part is for [Redacted]<br>Buyer Comment (2025-05-02): PCCD correcting fee placement | 05/06/2025 |  |  | 1 C A |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 20251272 |  |  | 33484076 |  | 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 $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. No valid changed circumstance was provided. No cure was provided to the Borrower. |  |  |  | Reviewer Comment (2025-05-06): [Redacted] received PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-05-02): TRID cure docs for appraisal fee. |  | 05/06/2025 |  | 2 C B |  | FL | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 20251274 |  |  | 33138608 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception for personal bank statements for a corporation when Comingled Bank Accounts may only be used by Sole Propretors. Lender approval in file. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted] . | Borrower has been employed in the same industry for more than [Redacted] years. | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-03-31): The client elects to waive. |  |  | 03/31/2025 | 2 B |  | OR | Investment | Purchase | B A |  | N/A | No |
|  | 20251275 |  |  | 33083491 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for cash out seasoning. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | FICO - [Redacted] | SitusAMC,Aggregator<br>SitusAMC | Reviewer Comment (2025-03-21): The client elects to waive. |  |  | 03/21/2025 | 2 B |  | TX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 20251278 |  |  | 33451044 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception to use the lease agreement with [Redacted]st months rent and security. Approval in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted]points. | [Redacted] months reserves.<br>Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-15): Lender exception in file. |  |  | 05/15/2025 | 2 B |  | FL | Investment | Purchase | B A |  | N/A | No |
|  | 20251278 |  |  | 33455990 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception for [Redacted]% seller contribution. Approval in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted]points. | [Redacted] months reserves.<br>Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-15): Lender exception in file. |  |  | 05/15/2025 | 2 B |  | FL | Investment | Purchase | B A |  | N/A | No |
|  | 20251281 |  |  | 33425300 |  | Credit | Credit | Credit Documentation | Credit | No evidence of fraud report in file |  |  |  |  |  | Reviewer Comment (2025-04-17): Received and associated Fraud Report document. Exception Cleared.<br>Buyer Comment (2025-04-15): Fraud report | 04/17/2025 |  |  | 1 C A |  | MA | Investment | Purchase | C A |  | N/A | No |
|  | 20251281 |  |  | 33425301 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Fraud Report not provided |  |  |  |  |  | Reviewer Comment (2025-04-17): Received and associated Fraud Report document. Exception Cleared.<br>Buyer Comment (2025-04-15): Fraud report uploaded to [Redacted]. | 04/17/2025 |  |  | 1 C A |  | MA | Investment | Purchase | C A |  | N/A | No |
|  | 20251281 |  |  | 33425302 |  | Credit | Credit | Credit Documentation | Credit | Missing Document: OFAC not provided |  |  |  |  |  | Reviewer Comment (2025-04-17): Received and associated Fraud Report document. Exception Cleared.<br>Buyer Comment (2025-04-15): OFAC search from Fraud report. Complete fraud report uploaded to [Redacted]. | 04/17/2025 |  |  | 1 C A |  | MA | Investment | Purchase | C A |  | N/A | No |
|  | 20251282 |  |  | 33103501 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Month to month lease requires [Redacted] months c[Redacted], lender exception in file. | Borrower has owned the subject property for at least [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | LTV is [Redacted] below guideline max.<br>Fico is [Redacted] points above guideline minimum. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-03-26): Lender exception in file. |  |  | 03/26/2025 | 2 B |  | NY | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 20251283 |  |  | 33155695 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for less than six months on title for a cash out refinance. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] months reserves.<br>Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-04-03): Lender exception in file. |  |  | 04/03/2025 | 2 B |  | CT | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 20251286 |  |  | 33418904 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception to use [Redacted]% of Business funds contingent on all other entity owners providing an access letter. Approval in file. Access letters from all other owners in file. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | FICO [Redacted] | SitusAMC,Aggregator<br>SitusAMC | Reviewer Comment (2025-05-08): The client elects to waive. |  |  | 05/08/2025 | 2 B |  | FL | Investment | Purchase | B A |  | N/A | No |
|  | 20251289 |  |  | 33425326 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-04-24): Received and associated Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-04-22): Business purpose | 04/24/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 20251289 |  |  | 33425327 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for vesting in a layered entity where all borrowers directly or indirectly own [Redacted]%. | Borrower has owned the subject property for at least [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[Redacted]. | [Redacted] months reserves. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-04-17): Lender exception in file. |  |  | 04/17/2025 | 2 B |  | NY | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 20251292 |  |  | 33484139 |  | 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 $[Redacted]exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. | Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted] exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-05-08): [Redacted] received corrected PCCD reconciled with final SS along with LOE.<br>Buyer Comment (2025-05-07): See uploaded Processor Cert and corresponding docs for cure<br>Reviewer Comment (2025-05-06): [Redacted] received SSPL Disclosure, [Redacted]LE & VCC. However, the SSPL disclosure confirms the payees on the title fees were paid to a provider and would be tested at [Redacted]. Baseline [Redacted] based on [Redacted] LE and fees increased on final CD [Redacted] which is over [Redacted]. Title-Notary fee increased which was [Redacted] baseline as not disclosed on initial [Redacted] LE but charged on final CD [Redacted] and the Recording fee in Section E increased from [Redacted] to [Redacted]. These did not have a valid changed circumstance. Cure with Corrected CD, LOE to borrower, copy of cure refund of [Redacted] and proof of mailing.<br>Buyer Comment (2025-05-06): See Uploaded SSPL<br>Reviewer Comment (2025-05-05): [Redacted] received loan details. But the file does not contain a Settlement Service Providers List. The SSPL is necessary to determine the tolerance and whether the borrower shopped for services.<br>Buyer Comment (2025-05-02): Loan Detail | 05/08/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
|  | 20251292 |  |  | 33484140 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Settlement Service Provider Status | TILA-RESPA Integrated Disclosure: Borrower not provided with list of service providers. | Borrower not provided with list of service providers. |  |  |  | Reviewer Comment (2025-05-06): [Redacted] received [Redacted] disclosure | 05/06/2025 |  |  | 1 A |  | CA | Primary | Purchase | No Defined Cure A | Non QM | Non QM | No |
|  | 20251292 |  |  | 33484141 |  | 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 $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Loan Origination Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-05-06): [Redacted] received [Redacted] LE & VCC<br>Buyer Comment (2025-05-06): See Uploaded final LE<br>Reviewer Comment (2025-05-05): [Redacted] received loan details, but the origination fee was increased from [Redacted] to [Redacted] on CD dated [Redacted] without providing any valid COC in file. Please provide information as to what changed circumstance occurred (as defined under [Redacted](e) [Redacted]-(F) that resulted in an increase in closing costs or provide cure docs.<br>Buyer Comment (2025-05-02): Loan Detail | 05/06/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
|  | 20251294 |  |  | 33062915 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Greater than [Redacted]% investor concentration, non-warranty condo, lender exception in file. | Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Debt Service Coverage Ratio (DSCR) is greater than the guideline requirement by .[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-03-19): Lender exception in file. |  |  | 03/19/2025 | 2 B |  | TN | Investment | Purchase | B A |  | N/A | No |
|  | 20251295 |  |  | 33425217 |  | 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 $-[Redacted]exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Lender Credits. Final Lender Credit of $-[Redacted] exceeds tolerance of $-[Redacted]. No valid changed circumstance was provided. No cure was provided to the Borrower. |  |  |  | Reviewer Comment (2025-04-24): [Redacted]Received Valid COC dated[Redacted] along with CD.<br>Buyer Comment (2025-04-22): CD and COC | 04/24/2025 |  |  | 1 C A |  | TN | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
|  | 20251295 |  |  | 33425219 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: | - ___ | Provide either [Redacted] months business bank statements for income used from personal accounts or provide a cpa letter to verify fixed expense ratio. |  |  |  | Reviewer Comment (2025-04-28): Not required; this is a co-mingled bank statement loan.<br>Buyer Comment (2025-04-28): [Redacted]. The borrower is the only employee. No additional employees.<br>Reviewer Comment (2025-04-25): As per Business Narrative Employees showing [Redacted], however Guidelines showing (Fixed Expense Ratio) for service business [Redacted] Contract Employees = [Redacted] Fixed Expense ratio. Please provide CPA Letter to Verify Fixed Expense ratio. Exception remains.<br>Buyer Comment (2025-04-23): Per guidelines and verified by CPA letter borrower is in the the beauty and wellness industry = Service industry. The income calculation option chosen is Option 1 (Fixed Expense Factor): (Business Bank Account or Commingled Bank Accounts). [Redacted]contract employees = [Redacted]% Fixed Expense Ratio. | 04/28/2025 |  |  | 1 C A |  | TN | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
|  | 20251295 |  |  | 33425220 |  | Credit | Missing Document | General | Missing Document | Missing Document: Account Statements - Business not provided |  |  |  |  |  | Reviewer Comment (2025-04-28): Not required; this is a co-mingled bank statement loan.<br>Buyer Comment (2025-04-28): Corrected Business narrative verifying no employees except borrower uploaded to [Redacted]<br>Buyer Comment (2025-04-24): Borrower using account with only her name on it as a business account. All deposits are from work. | 04/28/2025 |  |  | 1 C A |  | TN | Primary | Refinance - Rate/Term | C A | Non QM | Non QM | No |
|  | 20251298 |  |  | 33318464 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The file is missing a copy of the Business Narrative. |  |  |  | Reviewer Comment (2025-04-07): Documentation provided; exception cleared.<br>Buyer Comment (2025-04-03): Business narrative | 04/07/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20251298 |  |  | 33318466 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | The file is missing a copy of the final 1003. |  |  |  | Reviewer Comment (2025-04-02): Received and associated Final 1003 document. Exception cleared.<br>Buyer Comment (2025-04-02): See docs provided | 04/02/2025 |  |  | 1 C A |  | NJ | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20251298 |  |  | 33318470 |  | 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 $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Appraisal Fee was last disclosed as $[Redacted]on Loan Estimate but disclosed as $[Redacted]on Final Closing Disclosure dated [Redacted]. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-04-18): [Redacted]Received Letter of Explanation, Copy of Refund Check, and Corrected CD<br>Buyer Comment (2025-04-17): See docs provided<br>Reviewer Comment (2025-04-15): [Redacted]received LOX stating "the branch didn't adjust the fee from $[Redacted]to $[Redacted]based on the county" which is a tolerance breach. Therefore,we would require cure of $[Redacted]. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2025-04-11): See docs provided<br>Reviewer Comment (2025-04-03): [Redacted]received COC dated [Redacted] stating "Increased in Appraisal fee" which doesn't give sufficient information as to why the appraisal fee were increased. Kindly provide additional information as to why the appraisal fee were increased or provide cure docs.Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2025-04-02): See docs provided |  | 04/18/2025 |  | 2 C B |  | NJ | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 20251299 |  |  | 33484053 |  | 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 - Endorsement Fee. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted] . Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Title - Endorsement Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. No valid changed circumstance was provided. No cure was provided to the Borrower. |  |  |  | Reviewer Comment (2025-05-07): [Redacted] Received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-05-06): TRID cure |  | 05/07/2025 |  | 2 C B |  | NJ | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 20251299 |  |  | 33484055 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Verification(s) of employment is not within 10 business days of the Note. |  | Missing vvoe dated within [Redacted] days of the Note date. |  |  |  | Reviewer Comment (2025-05-08): Received and Associated VVOE document for [Redacted] Financial Markets. Exception cleared.<br>Buyer Comment (2025-05-06): VOE | 05/08/2025 |  |  | 1 C A |  | NJ | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 20251300 |  |  | 33248374 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  |  |  |  |  | Reviewer Comment (2025-04-28): Received and associated complete [Redacted] months bank statements from [Redacted][Redacted].Sufficient assets for closing and reserve requirement verified. Exception cleared.<br>Seller Comment (2025-04-24): Attached 2nd Statement for [Redacted] account number [Redacted]and added to assets at [Redacted]% along with updated [Redacted]/[Redacted]. Please Clear.<br>Seller Comment (2025-04-24): Attached 2nd Statement for [Redacted] account number [Redacted]and added to assets at [Redacted] along with updated [Redacted]/[Redacted]. Please Clear.<br>Reviewer Comment (2025-04-18): POC added to assets, borrower is still short funds for reserves.<br>Reviewer Comment (2025-04-18): EXCEPTION HISTORY - Exception Explanation was updated on [Redacted] PRIOR Exception Explanation: Calculated PITIA months reserves of [Redacted] is less than Guideline PITIA months reserves of [Redacted]<br>Seller Comment (2025-04-16): The appraisal Invoice / receipt is on page [Redacted] of [Redacted]and paid prior to close. Please Cancel. | 04/28/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20251300 |  |  | 33248405 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Insufficient assets verified to meet reserve requirement. |  |  |  | Reviewer Comment (2025-04-28): Received and associated complete [Redacted]months bank statements from [Redacted[Redacted]. Sufficient assets for closing and reserve requirement verified. Exception cleared.<br>Reviewer Comment (2025-04-18): POC added to assets, borrower is still short funds for reserves.<br>Seller Comment (2025-04-16): Waterfall to Exception [Redacted] | 04/28/2025 |  |  | 1 B A C |  | NY | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20251300 |  |  | 33248406 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Insufficient assets verified to meet reserve requirement. |  |  |  | Reviewer Comment (2025-04-28): Received and associated complete [Redacted] months bank statements from Robinhood [Redacted]. Sufficient assets for closing and reserve requirement verified. Exception cleared.<br>Reviewer Comment (2025-04-18): POC added to assets, borrower is still short funds for reserves.<br>Seller Comment (2025-04-16): Waterfall to Exception [Redacted] | 04/28/2025 |  |  | 1 C A |  | NY | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20251302 |  |  | 33425198 |  | 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 $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Loan Discount Points was last disclosed as $[Redacted]on LE but disclosed as $[Redacted]on Final Closing Disclosure. No valid changed circumstance was provided. <br> Insufficient cure provided for all closing costs above the legal limit. |  |  |  | Reviewer Comment (2025-04-23): [Redacted]received valid COC dated [Redacted]<br>Buyer Comment (2025-04-21): See explanation provided<br>Reviewer Comment (2025-04-18): [Redacted]received COC dated [Redacted] however we would also require valid COC for the fee increased on CD dated [Redacted]for $[Redacted]. Kindly provide a valid COC for the fee increased on CD dated [Redacted] or provide cure docs. Cure documents consist of Post CD,LOX,Copy of refund check and proof of mailing.<br>Buyer Comment (2025-04-17): See docs provided | 04/23/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 20251302 |  |  | 33425199 |  | 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 $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | HOA/Condo Questionnaire fee was last disclosed as $[Redacted]on LE but disclosed as $[Redacted]on Final Closing Disclosure. No valid changed circumstance was provided. <br> Insufficient cure provided for all closing costs above the legal limit. |  |  |  | Reviewer Comment (2025-04-23): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. | 04/23/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 20251302 |  |  | 33425200 |  | 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 Insurance Binder Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Insurance Certificate Fee was last disclosed as $[Redacted]on LE but disclosed as $[Redacted]on Final Closing Disclosure. File does not contain a valid COC for this fee, nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-04-23): Sufficient cure provided. Full cure amount for tolerance violation was provided at or before closing (on final CD) resulting in a cleared exception. | 04/23/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 20251302 |  |  | 33425202 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | An Arc lender exception for required Balcony repairs is in file, missing lender exception from G Rate. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | $[Redacted] residual income.<br>[Redacted] months reserves<br>LTV/CLTV is [Redacted]% below guideline max.<br>LTV/CLTV is [Redacted]% below guideline max.<br>Fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-04-21): Lender exception in file.<br>Buyer Comment (2025-04-17): See docs provided |  |  | 04/21/2025 | 2 C B |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20251302 |  |  | 33425203 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing [Redacted]W-2 |  |  |  | Reviewer Comment (2025-04-28): Received and associated [Redacted]W-2 for[Redacted]. Exception Cleared.<br>Buyer Comment (2025-04-24): See docs provided<br>Reviewer Comment (2025-04-21): The transcript was in the original file, the exception is for the [Redacted]W2.<br>Buyer Comment (2025-04-17): See docs provided | 04/28/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20251302 |  |  | 33425204 |  | 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 HOA/Condo Questionnaire. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing. |  |  |  | Reviewer Comment (2025-04-23): Sufficient Cure Provided At Closing |  | 04/23/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
|  | 20251302 |  |  | 33425205 |  | 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 Insurance Binder Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. | Sufficient cure provided at closing. |  |  |  | Reviewer Comment (2025-04-23): Sufficient Cure Provided At Closing |  | 04/23/2025 |  | 1 A |  | CA | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
|  | 20251304 |  |  | 33100251 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Cash out requires seasoning of [Redacted] months, and using market rent instead of original purchase price, lender exception in file. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC | Reviewer Comment (2025-03-26): Lender exception in file. |  |  | 03/26/2025 | 2 B |  | TX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 20251305 |  |  | 33497266 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation. |  |  |  | Reviewer Comment (2025-04-07): Documentation provided; exception cleared.<br>Buyer Comment (2025-04-03): Clear Capital AVM | 04/07/2025 |  |  | 1 D A |  | FL | Second Home | Purchase | D A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20251309 |  |  | 33425328 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Copy of Business Purpose Certificate is not available in file. |  |  |  | Reviewer Comment (2025-04-23): Received and associated Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-04-21): See doc provided | 04/23/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C A |  | N/A | No |
|  | 20251311 |  |  | 33425161 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy amount is blank. A Final policy was not provided. |  |  |  | Reviewer Comment (2025-01-09): Escrow instructions reflects coverage amount of $[Redacted]. Exception cleared .<br>Buyer Comment (2025-01-08): see docs provided | 01/09/2025 |  |  | 1 B A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251311 |  |  | 33425162 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Missing evidence of funds from sale of REO, resulting in insufficient assets for closing and reserves. |  |  |  | Reviewer Comment (2025-03-19): Additional assets provided, exception cleared.<br>Buyer Comment (2025-03-18): see updated 1003<br>Reviewer Comment (2025-03-12): Provide updated 1003 with accounts being added and amount being used from each account.<br>Buyer Comment (2025-03-10): see docs provided<br>Reviewer Comment (2025-02-06): Total funds to close [Redacted] months reserves totals $[Redacted], which is more than we have documented in file, exception remains.<br>Buyer Comment (2025-02-04): See docs provided<br>Reviewer Comment (2025-01-13): Please provide additional document as PITIA months reserves of is [Redacted]is less than Guideline PITIA months reserves of [Redacted]. Exception remains.<br>Buyer Comment (2025-01-10): see statement | 03/19/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251311 |  |  | 33425163 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Missing evidence of funds from sale of REO, resulting in insufficient assets for closing and reserves. |  |  |  | Reviewer Comment (2025-01-13): Received and associated Estimated closing statement with $[Redacted]. Exception clear.<br>Buyer Comment (2025-01-10): see settlement statement provided | 01/13/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251311 |  |  | 33425164 |  | 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. | Missing evidence of funds from sale of REO, resulting in insufficient assets for closing and reserves. |  |  |  | Reviewer Comment (2025-03-19): Additional assets provided, exception cleared.<br>Buyer Comment (2025-03-18): see updated 1003<br>Reviewer Comment (2025-03-12): Provide updated 1003 with accounts being added and amount being used from each account.<br>Buyer Comment (2025-03-10): see docs provided<br>Reviewer Comment (2025-02-06): Total funds to close [Redacted] months reserves totals $[Redacted], which is more than we have documented in file, exception remains.<br>Buyer Comment (2025-02-04): See docs provided<br>Reviewer Comment (2025-01-14): Funds needed for closing and reserves is $[Redacted], amount verified in file is $[Redacted], exception remains.<br>Buyer Comment (2025-01-10): see statement | 03/19/2025 |  |  | 1 B A C |  | CA | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
|  | 20251311 |  |  | 33425165 |  | 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. | Missing evidence of funds from sale of REO, resulting in insufficient assets for closing and reserves. |  |  |  | Reviewer Comment (2025-03-19): Additional assets provided, exception cleared.<br>Buyer Comment (2025-03-18): see updated 1003<br>Reviewer Comment (2025-03-12): Provide updated 1003 with accounts being added and amount being used from each account.<br>Buyer Comment (2025-03-10): see docs provided<br>Reviewer Comment (2025-02-06): Total funds to close + [Redacted]months reserves totals $[Redacted], which is more than we have documented in file, exception remains.<br>Buyer Comment (2025-02-04): See docs provided<br>Reviewer Comment (2025-01-14): Funds needed for closing and reserves is $[Redacted], amount verified in file is $[Redacted], exception remains.<br>Buyer Comment (2025-01-10): see statement | 03/19/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251312 |  |  | 33425306 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-04-14): Received and associated UCDP report with CU Score#[Redacted]. Exception Cleared.<br>Buyer Comment (2025-04-11): See SSR provided - secondary valuation not required. | 04/14/2025 |  |  | 1 D A |  | NJ | Investment | Purchase | D A |  | N/A | No |
|  | 20251312 |  |  | 33425307 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  | The file is missing a copy of the secondary valuation required for securitization purposes. |  |  |  | Reviewer Comment (2025-04-14): Received and associated UCDP report with CU Score#[Redacted]. Exception Cleared.<br>Buyer Comment (2025-04-11): See SSR provided - secondary valuation not required. | 04/14/2025 |  |  | 1 D A |  | NJ | Investment | Purchase | D A |  | N/A | No |
|  | 20251313 |  |  | 33455265 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted]exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-05-14): Sufficient Cure Provided At Closing |  | 05/14/2025 |  | 1 A |  | MA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20251316 |  |  | 33135485 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for use of personal bank statements for a corporation. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. | Over [Redacted] months of reserves | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-03-31): The client elects to waive. |  |  | 03/31/2025 | 2 B |  | OR | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 20251317 |  |  | 33483970 |  | Property | Appraisal Reconciliation | Value Discrepancy | Appraisal Reconciliation | Loan is to be securitized. Highest level secondary valuation supports the value. There is a lower level tertiary product that does not support the qualifying value. Sec ID: 22 | Note Date: ___; Lien Position: ___ |  |  |  |  | Reviewer Comment (2025-04-29): The client accepts as is.<br>Buyer Comment (2025-04-29): Please accept as is - level 2<br>Reviewer Comment (2025-04-28): Please accept as is.<br>Buyer Comment (2025-04-24): See field review provided<br>Reviewer Comment (2025-04-16): Please accept as is.<br>Buyer Comment (2025-04-14): See CDA |  |  |  | 2 A B |  | IL | Primary | Refinance - Cash-out - Other | B A | Non QM | Non QM | No |
|  | 20251318 |  |  | 33425232 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | The file was missing a copy of Business Narrative |  |  |  | Reviewer Comment (2025-04-21): Documentation provided; exception cleared.<br>Buyer Comment (2025-04-18): See docs provided | 04/21/2025 |  |  | 1 C A |  | NC | Primary | Purchase | D A | Non QM | Non QM | No |
|  | 20251318 |  |  | 33425234 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Purchase Agreement / Sales Contract not provided |  | The file was missing a copy Purchase Agreement |  |  |  | Reviewer Comment (2025-04-21): Documentation provided; exception cleared.<br>Buyer Comment (2025-04-17): see contract provided<br>Buyer Comment (2025-04-17): See docs provided | 04/21/2025 |  |  | 1 D A |  | NC | Primary | Purchase | D A | Non QM | Non QM | No |
|  | 20251318 |  |  | 33425235 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Correct final 1003 to reflect borrower was a supervisor at prior job, not a certified [Redacted] assistant. |  |  |  | Reviewer Comment (2025-04-25): Documentation provided; exception cleared.<br>Buyer Comment (2025-04-23): See docs provided<br>Reviewer Comment (2025-04-21): The prior voe does provide title. If the borrower was a [Redacted] prior, then we need to set exceptions for borrower being self employed less than [Redacted]years and not being in same line of business for at least [Redacted]years, as required per the guidelines for self employed borrower less than [Redacted]years, please advise.<br>Buyer Comment (2025-04-17): prior employment verification does not specify the position as supervisor - employment is correct on 1003 | 04/25/2025 |  |  | 1 C A |  | NC | Primary | Purchase | D A | Non QM | Non QM | No |
|  | 20251319 |  |  | 33484116 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Initial Closing Disclosure Timing without Waiver | TILA-RESPA Integrated Disclosure: Closing Disclosure not provided to Borrower(s) at least three (3) business days prior to closing. | Closing Disclosure not provided to Borrower at least three business days prior to closing. |  |  |  | Reviewer Comment (2025-04-29): [Redacted] received [Redacted] CD, received [Redacted] business days prior to consummation.<br>Buyer Comment (2025-04-28): See docs provided | 04/29/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | No Defined Cure A | Non QM | Non QM | No |
|  | 20251319 |  |  | 33484117 |  | 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 $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-23): Sufficient Cure Provided At Closing |  | 04/23/2025 |  | 1 A |  | CA | Primary | Refinance - Cash-out - Other | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 20251319 |  |  | 33484118 |  | 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 [Redacted], prior to three (3) business days from transaction date of [Redacted]. | Subject loan transaction disbursed on [Redacted], prior to three business days from transaction date of [Redacted]. |  |  |  | Reviewer Comment (2025-05-09): Documentation provided; exception cleared.<br>Buyer Comment (2025-05-07): See doc provided<br>Reviewer Comment (2025-04-30): Please provide the Final Settlement Statement signed and/or stamped by the Settlement Agent. A Lender-generated PCCD is not an accepted document for evidence of the disbursement date.<br>Buyer Comment (2025-04-28): See docs provided | 05/09/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Non QM | Non QM | Yes |
|  | 20251322 |  |  | 33425254 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Missing evidence of receipt of gift funds. |  |  |  | Reviewer Comment (2025-04-28): Documentation provided; exception cleared.<br>Buyer Comment (2025-04-24): See docs provided | 04/28/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251322 |  |  | 33425255 |  | 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. | Missing evidence of receipt of gift funds, resulting in insufficient assets to meet reserve requirement. |  |  |  | Reviewer Comment (2025-04-28): Documentation provided; exception cleared.<br>Buyer Comment (2025-04-24): See docs provided | 04/28/2025 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
|  | 20251322 |  |  | 33425256 |  | 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. | Loan is at ATR risk due to insufficient reserves. |  |  |  | Reviewer Comment (2025-04-28): Documentation provided; exception cleared.<br>Buyer Comment (2025-04-24): See docs provided | 04/28/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251322 |  |  | 33425257 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Missing [Redacted] month rental history from a third party or if private landlord, lease and [Redacted] months cancelled checks. |  |  |  | Reviewer Comment (2025-05-01): Received Bank Statement and Verification of Rent (VOR) to verify [Redacted]months rental history for Primary property. Exception Cleared.<br>Buyer Comment (2025-04-29): Bank statements are attached to VOR<br>Reviewer Comment (2025-04-28): VOR provided, please specify where the [Redacted]months cancelled checks/bank statements verify the rental payments.<br>Buyer Comment (2025-04-24): See docs provided | 05/01/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251324 |  |  | 33194028 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception to vest in LLC with [Redacted] members. Contingent on [Redacted] months reserves and minimum of [Redacted]% ownership. Approval in file. | Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous | Fico is [Redacted] points above guideline minimum.<br>[Redacted] months reserves. | SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-04-07): Lender exception in file. |  |  | 04/07/2025 | 2 B |  | IN | Investment | Purchase | B A |  | N/A | No |
|  | 20251324 |  |  | 33194054 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception for[Redacted]. Contingent on [Redacted]months of reserves. Approval in file. | Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points.<br>Miscellaneous | Fico is [Redacted] points above guideline minimum.<br>[Redacted] months reserves. | SitusAMC<br>Originator,SitusAMC<br>Originator | Reviewer Comment (2025-04-07): Lender exception in file. |  |  | 04/07/2025 | 2 B |  | IN | Investment | Purchase | B A |  | N/A | No |
|  | 20251326 |  |  | 33483913 |  | Compliance | Compliance | Federal Compliance | Federal HPML | Federal HPML 2014 Non Compliant | Federal Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. Non-Compliant Higher Priced Mortgage Loan. | APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. |  |  |  | Reviewer Comment (2025-04-18): Received appraisal notice document confirms that the appraisal was signature by borrower on [Redacted]. Exception cleared. | 04/18/2025 |  |  | 1 C A |  | MA | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20251326 |  |  | 33483914 |  | 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. | Evidence of Borrower receipt of the appraisal with report date [Redacted] was not provided. |  |  |  | Reviewer Comment (2025-04-18): Received appraisal notice document confirms that the appraisal was signature by borrower on [Redacted] . Exception cleared.<br>Buyer Comment (2025-04-16): Lender LOX | 04/18/2025 |  |  | 1 C A |  | MA | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20251326 |  |  | 33483915 |  | Compliance | Compliance | State Compliance | State HPML | (State HPML Provision) Massachusetts Higher-Priced Mortgage Loan (Loan Exceeds HPML Thresholds and failed One or More Federal HPML Provisions Making Loan a Non-Compliant MA HPML - Refer to Federal HPML Exceptions for more details) | Massachusetts Higher-Priced Mortgage Loan: Federal HPML Not Compliant. Refer to failed messages for Federal HPML for more details. | APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]%. |  |  |  | Reviewer Comment (2025-04-18): Received appraisal notice document confirms that the appraisal was signature by borrower on [Redacted] . Exception cleared. | 04/18/2025 |  |  | 1 C A |  | MA | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20251326 |  |  | 33483916 |  | Compliance | Compliance | State Compliance | State HPML | Massachusetts HPML Threshold Test Non-Compliant | Massachusetts Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]% Non-Compliant Higher Priced Loan. | APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]% |  |  |  | Reviewer Comment (2025-04-18): Received appraisal notice document confirms that the appraisal was signature by borrower on [Redacted] . Exception cleared. | 04/18/2025 |  |  | 1 C A |  | MA | Primary | Purchase | No obvious cure C B A | Non QM | Non QM | No |
|  | 20251326 |  |  | 33483918 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing [Redacted] months verification of rent. |  |  |  | Reviewer Comment (2025-04-01): VOR and rent-free letter were provided.<br>Buyer Comment (2025-03-28): See uploaded VOR and Rent Free letter prior to.<br>Buyer Comment (2025-03-28): VOR and LOX<br>Buyer Comment (2025-03-28): See Uploaded Rent Free letter and VOR | 04/01/2025 |  |  | 1 C A |  | MA | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20251326 |  |  | 33483920 |  | Compliance | Compliance | State Compliance | State HPML | Massachusetts HPML Threshold Test Compliant | Massachusetts Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]% Compliant Higher Priced Loan. |  |  |  |  | Buyer Comment (2025-04-25): Accept as is<br>Reviewer Comment (2025-04-24): Please accept level 2 as is.<br>Buyer Comment (2025-04-22): See uploaded [Redacted]report |  |  |  | 2 B |  | MA | Primary | Purchase | No obvious cure C B A | Non QM | Non QM | No |
|  | 20251328 |  |  | 33003838 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | [Redacted] months cancelled checks provided, [Redacted] months required, lender exception in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] months reserves.<br>Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-03-10): Lender exception in file. |  |  | 03/10/2025 | 2 B |  | TX | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 20251329 |  |  | 33425281 |  | 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 $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-29): Sufficient Cure Provided At Closing |  | 04/29/2025 |  | 1 A |  | NV | Primary | Refinance - Rate/Term | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 20251333 |  |  | 33175682 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | FTI on refinance transaction, lender exception provided. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] months reserves.<br>LTV is [Redacted] below guideline max.<br>Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-04-03): Lender exception in file. |  |  | 04/03/2025 | 2 B |  | FL | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 20251335 |  |  | 33425240 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  |  |  |  |  | Reviewer Comment (2025-04-25): Received and associated 1003 Final. Exception cleared.<br>Buyer Comment (2025-04-24): Final executed 1003 attached<br>Buyer Comment (2025-04-23): 1003 | 04/25/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 20251337 |  |  | 33195385 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception for no appliances. Approval in file. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly mortgage payment has decreased by at least [Redacted]%.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. | $[Redacted]residual income<br>DTI is [Redacted]% below guideline max. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-04-07): Lender exception in file. |  |  | 04/07/2025 | 2 B |  | NY | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 20251339 |  |  | 33425316 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for cash out to cash out seasoning. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] months reserves<br>Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-04-16): Lender exception in file |  |  | 04/16/2025 | 2 B |  | GA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
|  | 20251339 |  |  | 33425317 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing pay [Redacted] month pay history on subject property. |  |  |  | Reviewer Comment (2025-04-23): Documentation provided; exception cleared.<br>Buyer Comment (2025-04-21): See docs provided | 04/23/2025 |  |  | 1 C A |  | GA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
|  | 20251339 |  |  | 33425318 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Provide a LOE from borrower or other third party documentation to verify borrower has [Redacted]ownership and landlord history for at least [Redacted] months in last [Redacted] years. |  |  |  | Reviewer Comment (2025-04-23): Documentation provided; exception cleared.<br>Buyer Comment (2025-04-21): See docs provided | 04/23/2025 |  |  | 1 C A |  | GA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
|  | 20251339 |  |  | 33425319 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Guarantor Agreement not provided |  |  |  |  |  | Reviewer Comment (2025-04-23): Received and associated Guarantor Agreement document. Exception Cleared.<br>Buyer Comment (2025-04-21): See docs provided | 04/23/2025 |  |  | 1 D A |  | GA | Investment | Refinance - Cash-out - Other | D B A |  | N/A | No |
|  | 20251343 |  |  | 33208843 |  | Credit | Credit | Credit Documentation | Guideline | Missing Document: Verification of Rent (VOR) / Verification of Mortgage (VOM) not provided |  | Missing [Redacted] month rental history for departing primary. |  |  |  | Reviewer Comment (2025-05-01): Received and associated Rent-free Letter. Exception cleared.<br>Seller Comment (2025-04-29): Attached the rent free letter. Please Clear.<br>Reviewer Comment (2025-04-18): As per credit report mortgage with [Redacted] is reflecting in the name of borrower only. We do not have any document to verify the housing history for co-borrower. Provide documentation to verify the housing history for co-borrower. Exception remains.<br>Seller Comment (2025-04-16): The credit report on page [Redacted] of [Redacted] was pulled for both borrowers, which is a married couple, and we have [Redacted] months reporting for the primary mortgage with [Redacted]e. Please Cancel.<br>Reviewer Comment (2025-04-15): Credit report showing [Redacted] months is [Redacted], Please provided [Redacted] Months rental history for [Redacted]. Exception remains.<br>Seller Comment (2025-04-11): On page [Redacted] of [Redacted] under Credit it states "Primary mortgage with United Wholesale: [Redacted] months reporting" the credit report is on page [Redacted] of [Redacted]. Please Cancel. | 05/01/2025 |  |  | 1 C A |  | WA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251346 |  |  | 33484049 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | An [Redacted] lender exception provided to use alimony received at the new amount for less than [Redacted] months, missing lender exception from [Redacted]. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [Redacted] months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | $[Redacted] residual income.<br>More than $[Redacted] residual income monthly verified<br>LYV/CLTV is [Redacted]% below guideline max.<br>LYV/CLTV is [Redacted]% below guideline max.<br>Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-04-25): Lender exceptions in file.<br>Buyer Comment (2025-04-24): See exception provided |  |  | 04/25/2025 | 2 C B |  | IL | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20251346 |  |  | 33484050 |  | Compliance | Compliance | State Compliance | State Defect | Illinois SB 1894 | IL Predatory Lending Database Program (SB [Redacted]) - Certificate of Compliance or Exemption not attached to mortgage for recording. | The file was missing copy of Certificate of Compliance or Exemption |  |  |  | Reviewer Comment (2025-04-25): Documentation provided; exception cleared.<br>Buyer Comment (2025-04-23): See docs provided | 04/25/2025 |  |  | 1 C A |  | IL | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20251348 |  |  | 33444817 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception to vest in [Redacted] in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] months reserves<br>LTV is [Redacted]% below guideline max.<br>Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-12): Lender exception in file. |  |  | 05/12/2025 | 2 B |  | CA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 20251349 |  |  | 33425226 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-04-21): Received Updated secondary valuation CDA with value $[Redacted]. Exception Cleared.<br>Buyer Comment (2025-04-18): CDA supporting value. | 04/21/2025 |  |  | 1 D A |  | FL | Primary | Refinance - Rate/Term | D A C | Non QM | Non QM | No |
|  | 20251349 |  |  | 33425229 |  | 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 $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Collateral Desktop Analysis. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. No valid changed circumstance was provided. No cure was provided to the Borrower. |  |  |  | Reviewer Comment (2025-04-25): [Redacted]received LOX for rebuttal response with COC dated[Redacted] and further review the fee was disclosed within that timeline from the date of appraisal and UCDP report received.<br>Buyer Comment (2025-04-23): LOE<br>Reviewer Comment (2025-04-21): [Redacted]received Changed Circumstance dated[Redacted], but it does not give sufficient information on why the CDA 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 documents consist of PCCD, LOE, proof of mailing & copy of refund check.<br>Buyer Comment (2025-04-18): COC and corresponding CD | 04/25/2025 |  |  | 1 C A |  | FL | Primary | Refinance - Rate/Term | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
|  | 20251350 |  |  | 33029497 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved to waive hazard and insurance impounds. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] months reserves.<br>Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-03-17): Lender exception in file. |  |  | 03/17/2025 | 2 B |  | NY | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 20251351 |  |  | 33484311 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Note Addendum - Prepayment not provided |  |  |  |  |  | Reviewer Comment (2025-05-08): Received and associated Note Addendum - Prepayment. Exception Cleared.<br>Buyer Comment (2025-05-06): See doc provided | 05/08/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A |  | N/A | Yes |
|  | 20251352 |  |  | 33125340 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Right of Rescission Timing - Receipt Date Missing | Missing RTC Signature Date. Unable to determine compliance with rescission timing requirements. |  |  |  |  | Reviewer Comment (2025-04-07): Documentation provided; exception cleared.<br>Seller Comment (2025-04-03): [Redacted]- Uploaded Executed Notice of Right to Cancel to [Redacted] - provided by closer. Please review and clear exception. | 04/07/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission C | Non QM | Non QM | Yes |
|  | 20251352 |  |  | 33125341 |  | Compliance | Compliance | Federal Compliance | TILA Right-to-Cancel Missing, Incorrect, Incomplete and/or provided on the wrong form | Notice of Right To Cancel Not Provided to All Required Parties | Truth in Lending Act: Notice of Right to Cancel was not signed by all parties whose ownership interest is or will be subject to the security interest. |  |  |  |  | Reviewer Comment (2025-04-07): Documentation provided; exception cleared.<br>Seller Comment (2025-04-03): [Redacted] - Uploaded Executed Notice of Right to Cancel to [Redacted]- provided by closer. Please review and clear exception. | 04/07/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | TILA ROR - Provide the following: Letter of Explanation, Proof of Delivery, and Re-open Rescission using the correct model form C | Non QM | Non QM | Yes |
|  | 20251352 |  |  | 33125479 |  | Compliance | Missing Document | General | Missing Document | Incomplete Document: Right to Cancel (RTC) is incomplete |  | RTC is not signed. |  |  |  | Reviewer Comment (2025-04-07): Documentation provided; exception cleared.<br>Seller Comment (2025-04-03): [Redacted] - Uploaded Executed Notice of Right to Cancel to [Redacted]- provided by closer. Please review and clear exception. | 04/07/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 20251353 |  |  | 33064553 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower owns [Redacted]% of correspondent lender and a relative owns the other [Redacted]%, conflict of interest, lender exception in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Miscellaneous | [Redacted] months reserves.<br>Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC<br>Originator | Reviewer Comment (2025-03-19): Lender exception in file. |  |  | 03/19/2025 | 2 B |  | CT | Investment | Refinance - Rate/Term | B A |  | N/A | No |
|  | 20251354 |  |  | 33483946 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing CPA Letter or business formation documents verifying ownership percentage. |  |  |  | Reviewer Comment (2025-04-21): Documentation provided; exception cleared.<br>Buyer Comment (2025-04-17): Articles of Organization for Concierge Health and Century Health Listing the borrower as the only Principal/owner. | 04/21/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251354 |  |  | 33483947 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing business narratives for all businesses being used to qualify. |  |  |  | Reviewer Comment (2025-04-17): Received and associated business narrative document. Exception Cleared.<br>Buyer Comment (2025-04-15): Business Narratives | 04/17/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251354 |  |  | 33483948 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Missing evidence of access to business funds for closing and reserves. |  |  |  | Reviewer Comment (2025-04-17): Received and associated updated Personal bank statements from [Redacted] reflecting borrower's name. Sufficient assets to cover Cash From Borrower and reserve requirement is verified. Exception Cleared.<br>Buyer Comment (2025-04-15): Personal bank statement for closing/reserves. Balance $[Redacted]. | 04/17/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251354 |  |  | 33483949 |  | 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. | Missing evidence of access to business funds for closing and reserves. |  |  |  | Reviewer Comment (2025-04-17): Received and associated updated Personal bank statements from [Redacted] reflecting borrower's name. Sufficient assets to cover Cash From Borrower and reserve requirement is verified. Exception Cleared.<br>Buyer Comment (2025-04-15): Personal bank statement for closing/reserves uploaded to [Redacted]. | 04/17/2025 |  |  | 1 B A C |  | AZ | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
|  | 20251354 |  |  | 33483950 |  | 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. | Missing evidence of access to business funds for closing and reserves. |  |  |  | Reviewer Comment (2025-04-17): Received and associated updated Personal bank statements from [Redacted]reflecting borrower's name. Sufficient assets to cover Cash From Borrower and reserve requirement is verified. Exception Cleared.<br>Buyer Comment (2025-04-15): Personal bank statement for closing/reserves uploaded to [Redacted]. | 04/17/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251354 |  |  | 33483951 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Missing evidence of access to business funds for closing and reserves. |  |  |  | Reviewer Comment (2025-04-17): Received and associated updated Personal bank statements from [Redacted]reflecting borrower's name. Sufficient assets to cover Cash From Borrower and reserve requirement is verified. Exception Cleared.<br>Buyer Comment (2025-04-15): Personal bank statement for closing/reserves uploaded to [Redacted]. | 04/17/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251354 |  |  | 33483952 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing business narrative and borrower's percentage of business ownership for both businesses. |  |  |  | Reviewer Comment (2025-04-17): Received and associated business narrative document. Exception Cleared.<br>Buyer Comment (2025-04-15): Business narratives uploaded to [Redacted]. | 04/17/2025 |  |  | 1 C A |  | AZ | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251357 |  |  | 33483901 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The Preliminary title policy amount is blank. A Final policy was not provided. |  |  |  | Reviewer Comment (2025-04-02): Received and associated Title Preliminary with title policy amount [Redacted]. Exception cleared.<br>Buyer Comment (2025-04-02): See docs provided<br>Reviewer Comment (2025-04-01): Received preliminary title report did not disclose the amount of title insurance coverage. Please Provide a copy of the final title policy or an addendum to the preliminary report verifying title insurance of at least the loan amount. Exception remains.<br>Buyer Comment (2025-03-28): see docs provided | 04/02/2025 |  |  | 1 B A |  | CA | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 20251361 |  |  | 33276914 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General Ability to Repay - Bank Statement Guidelines Require 12 or more Months | Ability to Repay (Dodd-Frank 2014): Guidelines require [Redacted] or more consecutive months bank statements. |  |  |  |  | Reviewer Comment (2025-04-25): Information provided; exception cleared. | 04/25/2025 |  |  | 1 A |  | GA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20251361 |  |  | 33276915 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Fail. | Loan is failing QM Points & Fees. |  |  |  | Reviewer Comment (2025-04-25): Information provided; exception cleared.<br>Seller Comment (2025-04-23): [Redacted]- Entered comments in [Redacted] & [Redacted]. This exception should clear with[Redacted] - passes QM Points & Fees with submission of undiscounted rate calculation. | 04/25/2025 |  |  | 1 B A C |  | GA | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20251361 |  |  | 33276916 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | QM Points and Fees 2021 | Qualified Mortgage (Dodd Frank [Redacted]): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees total $[Redacted]on a Federal Total Loan Amount of $[Redacted]vs. an allowable total of $[Redacted](an overage of $[Redacted]or .[Redacted]%). | Loan is failing QM points and fees. |  |  |  | Reviewer Comment (2025-04-25): Information provided; exception cleared.<br>Seller Comment (2025-04-23): [Redacted] - Entered comments in [Redacted]l & [Redacted]. Passes QM Points and fees - does not exceed [Redacted] threshold - eligible to exclude up to [Redacted] bona fide discount points - [Redacted] discount points eligible to be excluded. Undiscounted Rate - closest to par over [Redacted] Please review and clear exception. | 04/25/2025 |  |  | 1 C A |  | GA | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20251361 |  |  | 33276918 |  | 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 Field Review Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-15): Sufficient Cure Provided At Closing |  | 04/15/2025 |  | 1 A |  | GA | Primary | Purchase | Final CD evidences Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20251364 |  |  | 33425294 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-04-09): Received secondary valuation CDA with value $[Redacted]. Exception Cleared.<br>Buyer Comment (2025-04-08): CDA supporting value. | 04/09/2025 |  |  | 1 D A |  | UT | Investment | Purchase | D A |  | N/A | No |
|  | 20251365 |  |  | 33425304 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing LOE or other documentation to verify borrower has history of owning and managing REO for at least [Redacted] months. |  |  |  | Reviewer Comment (2025-04-11): Documentation provided; exception cleared.<br>Buyer Comment (2025-04-09): see lox provided | 04/11/2025 |  |  | 1 C A |  | GA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 20251366 |  |  | 33484065 |  | 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 calculated dti exceeds max allowable dti of [Redacted]%. |  |  |  | Reviewer Comment (2025-05-07): Updated income calculations provided as well as an LOE, exception cleared.<br>Buyer Comment (2025-05-05): Please see updated income calcs provided. | 05/07/2025 |  |  | 1 B A C |  | FL | Primary | Purchase | Lender to provide updated ATR/QM Loan Designation C | Non QM | Non QM | Yes |
|  | 20251366 |  |  | 33484066 |  | 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 Verification Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-18): Sufficient Cure Provided At Closing |  | 04/18/2025 |  | 1 A |  | FL | Primary | Purchase | Final CD evidences Cure A | Non QM | Non QM | Yes |
|  | 20251366 |  |  | 33484067 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: Investor qualifying total debt ratio discrepancy. |  | The calculated dti exceeds max allowable dti of [Redacted]%. |  |  |  | Reviewer Comment (2025-05-07): Updated income calculations provided as well as an LOE, exception cleared.<br>Buyer Comment (2025-05-05): Please see updated income calcs provided. | 05/07/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251366 |  |  | 33484069 |  | 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 calculated dti exceeds max allowable dti of [Redacted]%. |  |  |  | Reviewer Comment (2025-05-07): Updated income calculations provided as well as an LOE, exception cleared.<br>Buyer Comment (2025-05-05): Please see updated income calcs provided. | 05/07/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251366 |  |  | 33484070 |  | 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 [Redacted]% moderately exceeds the guideline maximum of [Redacted]%. (DTI Exception is eligible to be regraded with compensating factors.) | The calculated dti exceeds max allowable dti of [Redacted]%. |  |  |  | Reviewer Comment (2025-05-07): Updated income calculations provided as well as an LOE, exception cleared.<br>Buyer Comment (2025-05-05): Please see updated income calcs provided.<br>Reviewer Comment (2025-04-30): The updated Qualifying P&L on the updated 1008 has it at [Redacted], but the fully amortized payment at the greater of the fully indexed or the note rate, to repay the loan over the remaining term after the I/O period, would be $[Redacted]. The DTI of [Redacted] is valid.<br>Buyer Comment (2025-04-28): See docs provided | 05/07/2025 |  |  | 1 C A |  | FL | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251368 |  |  | 33425322 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Copy of Business Purpose Certificate is not available in file. |  |  |  | Reviewer Comment (2025-04-24): Received and associated Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-04-22): Business purpose | 04/24/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 20251368 |  |  | 33425324 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Vesting in layered entity, lender exception in file. | Borrower has owned the subject property for at least [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | [Redacted] months reserves | SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-04-16): Lender exception in file. |  |  | 04/16/2025 | 2 B |  | NY | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 20251369 |  |  | 33425213 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Missing 4506-C for [Redacted]. Also missing signed and dated personal tax returns (1040) for [Redacted] for [Redacted]. |  |  |  | Reviewer Comment (2025-04-21): Documentation provided; exception cleared.<br>Reviewer Comment (2025-04-18): Please provide 4506-C([Redacted]),4506-C ([Redacted]) and Tax Returns 1040 ([Redacted]) for [Redacted]. Exception remains<br>Buyer Comment (2025-04-16): See docs provided | 04/21/2025 |  |  | 1 C A |  | GA | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 20251370 |  |  | 33216188 |  | Compliance | Compliance | State Compliance | State HPML | Massachusetts HPML Threshold Test Compliant | Massachusetts Higher-Priced Mortgage Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is equal to or greater than the threshold of APOR [Redacted]% + [Redacted]%, or [Redacted]% Compliant Higher Priced Loan. | APR on subject loan of [Redacted] % or Final Disclosure APR of [Redacted] % is equal to or greater than the threshold of [Redacted] [Redacted] + [Redacted] , or [Redacted] . |  |  |  | Reviewer Comment (2025-05-08): The client accepts as is<br>Seller Comment (2025-05-06): Please accept as is |  |  |  | 2 B |  | MA | Primary | Purchase | No obvious cure C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | 20251370 |  |  | 33219246 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Borrower has been self-employed less than [Redacted] years. A lender exception is in file contingent on a max of [Redacted] DTI and minimum of [Redacted] months reserves., only [Redacted] months reserves verified. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. | $[Redacted]residual income.<br>DTI is [Redacted]% below guideline max. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-06): Lender exception in file.<br>Reviewer Comment (2025-04-17): This bank statement and amount is already included in assets, exception remains.<br>Seller Comment (2025-04-16): On page [Redacted] of [Redacted] is the bank statement through [Redacted] with a balance of [Redacted] Please Cancel. |  |  | 05/06/2025 | 2 C B |  | MA | Primary | Purchase | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | 20251370 |  |  | 33219260 |  | Credit | Credit | Credit Calculation / Analysis | Guideline | Guideline Requirement: Representative FICO score discrepancy. | Representative FICO score of ___ is less than Guideline representative FICO score of ___. | Minimum FiCO of [Redacted]was required due to Borrower self-employed less than [Redacted]years. A lender exception is in file contingent on a max of [Redacted]% DTI and minimum of [Redacted]months reserves., only [Redacted]months reserves verified. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. | $[Redacted]residual income.<br>DTI is [Redacted]% below guideline max. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-06): Lender exception in file.<br>Reviewer Comment (2025-04-17): Insufficient reserves required per lender exception, exception remains.<br>Seller Comment (2025-04-16): The approved exception can be found on page [Redacted] of [Redacted]. |  |  | 05/06/2025 | 2 C B |  | MA | Primary | Purchase | C B A | Higher Priced QM (APOR) | Higher Priced QM (APOR) | No |
|  | 20251371 |  |  | 33483937 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted]is over disclosed by $[Redacted]compared to the calculated Amount Financed of $[Redacted]and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted]). | Disclosed amount Financed was $[Redacted]. Calculated amount Financed is $[Redacted]. Variance of $[Redacted]. |  |  |  | Reviewer Comment (2025-04-21): [Redacted] received PCCD, LOE, Copy of Refund Check and Proof of Mailing.<br>Buyer Comment (2025-04-18): See docs provided<br>Reviewer Comment (2025-04-09): [Redacted]received Corrected CD, LOE to borrower and copy of cure refund for total underdisclosure. Missing proof of mailing of the cure refund check and package. please provide tracking of mailing.<br>Buyer Comment (2025-04-08): See docs provided |  | 04/21/2025 |  | 2 C B |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | Yes |
|  | 20251371 |  |  | 33483938 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] 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 $[Redacted]is under disclosed by $[Redacted]compared to the calculated Finance Charge of $[Redacted]which exceeds the $[Redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]). | Disclosed amount Finance Charge was $[Redacted]. Calculated Finance Charge is $[Redacted]Variance of =$[Redacted]. |  |  |  | Reviewer Comment (2025-04-21): [Redacted] received PCCD, LOE, Copy of Refund Check and Proof of Mailing.<br>Buyer Comment (2025-04-18): See docs provided<br>Reviewer Comment (2025-04-09): [Redacted]received Corrected CD, LOE to borrower and copy of cure refund for total underdisclosure. Missing proof of mailing of the cure refund check and package. please provide tracking of mailing.<br>Buyer Comment (2025-04-08): See docs provided |  | 04/21/2025 |  | 2 C B |  | CA | 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 if Applicable B | Non QM | Non QM | Yes |
|  | 20251372 |  |  | 33228228 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | Originator Loan Designation of Higher Priced QM ([Redacted]) does not match Due Diligence Loan Designation of Safe Harbor QM ([Redacted]). |  |  |  | Reviewer Comment (2025-04-24): HPQM (APOR)<br>Seller Comment (2025-04-22): [Redacted] - Entered comments in [Redacted]l & [Redacted]. [Redacted] is showing Higer-priced [Redacted] [Redacted] LAS report is showing the incorrect APOR [Redacted] - the FFIEC Published APOR for that percentage was on[Redacted]. The correct APOR is [Redacted]- published [Redacted] per Extended Lock date [Redacted] Rate Lock Confirmation dated [Redacted] is located in [Redacted]- Rate Lock - Document[Redacted] - Page [Redacted]. DocMagic Compliance Test is showing Rebuttable Presumption & Failing Federal High Cost/HPML. Please review using the correct APOR [Redacted] Please advise if this cancels or clears exception. | 04/24/2025 |  |  | 1 B A C |  | IL | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C | Higher Priced QM (APOR) | Higher Priced QM (APOR) | Yes |
|  | 20251373 |  |  | 33178092 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) | Revised Loan Estimate provided on or after the date the Initial Closing Disclosure was provided. |  |  |  | Reviewer Comment (2025-04-10): CDs not provided to consumer excluded from testing<br>Seller Comment (2025-04-09): [Redacted] - Uploaded Lender Attestation Letter stating closer confirmed Document[Redacted] & [Redacted] are Preliminary CD's provided by the title company for balancing purposes. These are not borrower facing documents and were used by the lender only to ensure accurate disclosure of final or revised loan fees; copies were not sent to the borrower for disclosure. Please review and clear exception. | 04/10/2025 |  |  | 1 C A |  | CT | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20251373 |  |  | 33178093 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) | Revised Loan Estimate provided on or after the date the Initial Closing Disclosure was provided. |  |  |  | Reviewer Comment (2025-04-10): CDs not provided to consumer excluded from testing<br>Seller Comment (2025-04-09): [Redacted] - Uploaded Lender Attestation Letter stating closer confirmed Document # [Redacted] & [Redacted] are Preliminary CD's provided by the title company for balancing purposes. These are not borrower facing documents and were used by the lender only to ensure accurate disclosure of final or revised loan fees; copies were not sent to the borrower for disclosure. Please review and clear exception. | 04/10/2025 |  |  | 1 C A |  | CT | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20251373 |  |  | 33178094 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Issue and Received Date > Closing Disclosure Issue and Received Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. (The Revised Loan Estimate was received on or after the Closing Disclosure.) | Revised Loan Estimate provided on or after the date the Initial Closing Disclosure was provided. |  |  |  | Reviewer Comment (2025-04-10): CDs not provided to consumer excluded from testing<br>Seller Comment (2025-04-09): [Redacted] - Uploaded Lender Attestation Letter stating closer confirmed Document [Redacted] & [Redacted]are Preliminary CD's provided by the title company for balancing purposes. These are not borrower facing documents and were used by the lender only to ensure accurate disclosure of final or revised loan fees; copies were not sent to the borrower for disclosure. Please review and clear exception. | 04/10/2025 |  |  | 1 C A |  | CT | Primary | Purchase | No Defined Cure B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20251373 |  |  | 33178095 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Issue Date > Closing Disclosure Issue Date | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on or after the date the Closing Disclosure was provided. | Revised Loan Estimate provided on or after the date the Initial Closing Disclosure was provided. |  |  |  | Reviewer Comment (2025-04-10): CDs not provided to consumer excluded from testing<br>Seller Comment (2025-04-09): [Redacted] - Uploaded Lender Attestation Letter stating closer confirmed Document [Redacted] & [Redacted] are Preliminary CD's provided by the title company for balancing purposes. These are not borrower facing documents and were used by the lender only to ensure accurate disclosure of final or revised loan fees; copies were not sent to the borrower for disclosure. Please review and clear exception. | 04/10/2025 |  |  | 1 C A |  | CT | Primary | Purchase | No Defined cure C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20251373 |  |  | 33178124 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Exception for[Redacted] is approved contingent on [Redacted] months of reserves. Self employment business must be [Redacted] years old as of the note date. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | $[Redacted] residual income.<br>[Redacted] months reserves.<br>Fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-04-04): Lender exception in file. |  |  | 04/04/2025 | 2 B |  | CT | Primary | Purchase | C B A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20251374 |  |  | 33031162 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | Originator Loan Designation of Higher Priced [Redacted] ([Redacted]) does not match Due Diligence Loan Designation of Safe Harbor [Redacted] ([Redacted]). |  |  |  | Reviewer Comment (2025-03-20): The loan designation was restated to [Redacted].<br>Seller Comment (2025-03-19): please restate as safe harbor<br>Reviewer Comment (2025-03-19): Loan is not testing as[Redacted], do you want to restate to Safe Harbor [Redacted])?<br>Seller Comment (2025-03-18): Waterfall to Exception[Redacted] | 03/20/2025 |  |  | 1 B A C |  | NC | Primary | Refinance - Cash-out - Other | Lender to provide updated ATR/QM status C B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20251374 |  |  | 33089921 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | The loan designation was restated to [Redacted] |  |  |  | Reviewer Comment (2025-03-22): The client accepts<br>Seller Comment (2025-03-21): Designation on file has already been revised to [Redacted]. [Redacted] - [Redacted] has already cleared - waterfall exception. |  |  |  | 2 A B |  | NC | Primary | Refinance - Cash-out - Other | C B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20251384 |  |  | 33407493 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for self employment being less than two years with a [Redacted]FICO. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. | $[Redacted] residual income.<br>[Redacted] months reserves.<br>DTI is [Redacted]% below guideline max. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-06): Lender exception in file. |  |  | 05/06/2025 | 2 B |  | SC | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 20251386 |  |  | 32994654 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception is approved for borrower provided transcripts. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] months reserves<br>The LTV/CLTV is [Redacted] below guideline max.<br>The LTV/CLTV is [Redacted] below guideline max.<br>Fico is [Redacted] points above guideline minimum. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-03-10): Lender exception in file |  |  | 03/10/2025 | 2 B |  | CA | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
|  | 20251386 |  |  | 32994662 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception is approved for escrow waiver contingent on [Redacted] months of reserves. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] months reserves<br>The LTV/CLTV is [Redacted] below guideline max.<br>The LTV/CLTV is [Redacted] below guideline max.<br>Fico is [Redacted] points above guideline minimum. | SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-03-10): Lender exception in file |  |  | 03/10/2025 | 2 B |  | CA | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
|  | 20251386 |  |  | 33007296 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing [Redacted] month rental history for both borrowers. |  |  |  | Reviewer Comment (2025-03-19): Documentation provided; exception cleared.<br>Seller Comment (2025-03-18): Attached E-Mail from landlord customer service that states the 1 late was made on [Redacted] which was not within the last 12 months.<br>Reviewer Comment (2025-03-13): The VOR states [Redacted] late payment but does not detail if this occurred in the last [Redacted]months, exception remains.<br>Seller Comment (2025-03-13): On page [Redacted] of [Redacted] is a Letter to confirm the rental history of the borrower. There is only [Redacted] borrower on the loan. Please Cancel. | 03/19/2025 |  |  | 1 A |  | CA | Primary | Refinance - Rate/Term | B A | Non QM | Non QM | No |
|  | 20251387 |  |  | 33323761 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception is approved to treat as delayed financing. | The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC | Reviewer Comment (2025-04-24): Lender exception in file. |  |  | 04/24/2025 | 2 B |  | MD | Investment | Refinance - Rate/Term | B A |  | N/A | No |
|  | 20251388 |  |  | 33448761 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved to allow security deposit as last month's rent verification. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted]points. | $[Redacted] residual income.<br>[Redacted] months reserves.<br>Fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-05-14): Lender exception in file. |  |  | 05/14/2025 | 2 B |  | NY | Primary | Purchase | B A | Non QM | Non QM | No |
|  | 20251391 |  |  | 33484012 |  | Compliance | Compliance | Federal Compliance | TRID | TRID Ten Percent Tolerance Violation With Sufficient Cure Provided At Closing | TILA-RESPA Integrated Disclosure: Ten Percent Fee Tolerance exceeded. Total amount of $[Redacted]exceeds tolerance of $[Redacted]plus [Redacted]% or $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-11): Sufficient Cure Provided At Closing |  | 04/11/2025 |  | 1 A |  | FL | Second Home | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
|  | 20251391 |  |  | 33484015 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception for wind insurance coverage. Approval in file. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [Redacted] months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | $[Redacted] residual income.<br>More than [Redacted] months reserves verified<br>Fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-04-14): Lender exceptions in file. |  |  | 04/14/2025 | 2 B |  | FL | Second Home | Purchase | B A | Non QM | Non QM | No |
|  | 20251392 |  |  | 33203006 |  | 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 IL Registration Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | IL Registration Fee was not disclosed on LE but disclosed as [Redacted] on Final Closing Disclosure. File does not contain a valid COC for this fee nor evidence of cure in file. |  |  |  | Reviewer Comment (2025-04-15): [Redacted] received corrected PCCD and LOE with corrected fee name.<br>Seller Comment (2025-04-14): [Redacted]- Uploaded Proof of Mailing - [Redacted]Standard delivery to borrower. Please review and clear exception.<br>Seller Comment (2025-04-11): [Redacted] - There is not a tolerance violation on this transaction or refund due to the borrower. [Redacted] Policy Fee is a title fee and part of the title/settlement services & not subject to [Redacted] tolerance. "Title" is required to be added to the fee name. Uploaded LOX & PCCD - copy of [Redacted]Proof of Mailing to the borrower will be uploaded once received. Please review and clear exception. | 04/15/2025 |  |  | 1 C A |  | IL | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Non QM | Non QM | Yes |
|  | 20251393 |  |  | 33218599 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception for cash out seasoning. Approval in file contingent on max [Redacted] LTV and [Redacted] months reserves prior to closing. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | [Redacted] months reserves. | Originator,SitusAMC | Reviewer Comment (2025-04-10): Lender exception in file. |  |  | 04/10/2025 | 2 B |  | GA | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 20251397 |  |  | 33484034 |  | 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) | Waterfall due to Points and Fees on subject loan is in excess of the allowable maximum. |  |  |  | Reviewer Comment (2025-05-14): Cure documentation received. Loan is no longer a HOEPA loan.<br>Buyer Comment (2025-05-12): See Uploaded Borrower Choice Letter<br>Reviewer Comment (2025-05-07): [Redacted]<br>A [Redacted] Loan may be cured within [Redacted]days of consummation or [Redacted]days of discovery. To cure, the following conditions must be met:<br>Borrower Choice Letter<br>In order for the cure to be effective, it must be at the choice of the consumer and cannot just be satisfied by lender issuing a refund check or applying a principal reduction for the overage.<br>The two choices for the consumer are to either (1) accept a refund/principal reduction which will remove the loan from high-cost status; or (2) keep the loan as high-cost (with no refund) and have the lender cure each of the prohibited practice violations so that in the end, the loan will be a compliant HOEPA loan.<br>While most consumers will opt to choose the refund route for curing, that decision cannot be made unilaterally by lender - the consumer must be given the choice under the regulation. This is typically accomplished through a "Borrower Choice Letter" (a sample is not made available by the rule so each lender would make their own) which provides for two checkboxes and asking the consumer to choose which option they wish to proceed with.<br>While the lender cannot choose or steer the consumer into one option or the other, there is nothing that prevents the lender from explaining the benefits of either option.<br>Proof of remediation based on Choice<br>Assuming borrower opts for the refund, a copy of the refund check (or proof of principal reduction).<br>Assuming borrower opts to keep loan as high-cost and cure prohibited practice violations (rare), proof that each violation was cured.<br>Proof of Mailing<br>Proof mailing (e.g., [Redacted]tracking label) - must be in transit in order to cure<br>Buyer Comment (2025-05-02): PCCD, LOX, Refund Check and Proof of Mailing<br>Reviewer Comment (2025-04-29): The updated Mavent does not include the $[Redacted]Loan Extension Fee, which his the reason for the HOEPA fail.<br>Buyer Comment (2025-04-25): See uploaded Mavent Report | 05/14/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 20251397 |  |  | 33484035 |  | 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 | Waterfall due to Points and Fees on subject loan is in excess of the allowable maximum. |  |  |  | Reviewer Comment (2025-05-14): Cure documentation received. Loan is no longer a HOEPA loan.<br>Buyer Comment (2025-05-12): See uploaded borrower choice letter attached to condition [Redacted]<br>Reviewer Comment (2025-05-07): [Redacted]<br>A [Redacted] may be cured within [Redacted]days of consummation or [Redacted]days of discovery. To cure, the following conditions must be met:<br>Borrower Choice Letter<br>In order for the cure to be effective, it must be at the choice of the consumer and cannot just be satisfied by lender issuing a refund check or applying a principal reduction for the overage.<br>The two choices for the consumer are to either (1) accept a refund/principal reduction which will remove the loan from high-cost status; or (2) keep the loan as high-cost (with no refund) and have the lender cure each of the prohibited practice violations so that in the end, the loan will be a compliant HOEPA loan.<br>While most consumers will opt to choose the refund route for curing, that decision cannot be made unilaterally by lender - the consumer must be given the choice under the regulation. This is typically accomplished through a "Borrower Choice Letter" (a sample is not made available by the rule so each lender would make their own) which provides for two checkboxes and asking the consumer to choose which option they wish to proceed with.<br>While the lender cannot choose or steer the consumer into one option or the other, there is nothing that prevents the lender from explaining the benefits of either option.<br>Proof of remediation based on Choice<br>Assuming borrower opts for the refund, a copy of the refund check (or proof of principal reduction).<br>Assuming borrower opts to keep loan as high-cost and cure prohibited practice violations (rare), proof that each violation was cured.<br>Proof of Mailing<br>Proof mailing (e.g., [Redacted]tracking label) - must be in transit in order to cure<br>Buyer Comment (2025-05-02): See docs uploaded to condition # [Redacted]<br>Reviewer Comment (2025-04-29): The updated Mavent does not include the $[Redacted]Loan Extension Fee, which his the reason for the HOEPA fail.<br>Buyer Comment (2025-04-28): Mavent Report | 05/14/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 20251397 |  |  | 33484036 |  | 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. | Waterfall due to Points and Fees on subject loan is in excess of the allowable maximum. |  |  |  | Reviewer Comment (2025-05-14): Cure documentation received. Loan is no longer a HOEPA loan.<br>Buyer Comment (2025-05-12): See uploaded borrower choice letter attached to condition [Redacted]<br>Reviewer Comment (2025-05-07): [Redacted]<br>A [Redacted] may be cured within [Redacted]days of consummation or [Redacted]days of discovery. To cure, the following conditions must be met:<br>Borrower Choice Letter<br>In order for the cure to be effective, it must be at the choice of the consumer and cannot just be satisfied by lender issuing a refund check or applying a principal reduction for the overage.<br>The two choices for the consumer are to either (1) accept a refund/principal reduction which will remove the loan from high-cost status; or (2) keep the loan as high-cost (with no refund) and have the lender cure each of the prohibited practice violations so that in the end, the loan will be a compliant HOEPA loan.<br>While most consumers will opt to choose the refund route for curing, that decision cannot be made unilaterally by lender - the consumer must be given the choice under the regulation. This is typically accomplished through a "Borrower Choice Letter" (a sample is not made available by the rule so each lender would make their own) which provides for two checkboxes and asking the consumer to choose which option they wish to proceed with.<br>While the lender cannot choose or steer the consumer into one option or the other, there is nothing that prevents the lender from explaining the benefits of either option.<br>Proof of remediation based on Choice<br>Assuming borrower opts for the refund, a copy of the refund check (or proof of principal reduction).<br>Assuming borrower opts to keep loan as high-cost and cure prohibited practice violations (rare), proof that each violation was cured.<br>Proof of Mailing<br>Proof mailing (e.g., [Redacted]tracking label) - must be in transit in order to cure<br>Buyer Comment (2025-05-02): See docs uploaded to condition [Redacted]<br>Reviewer Comment (2025-04-29): The updated Mavent does not include the [Redacted] Loan Extension Fee, which his the reason for the HOEPA fail.<br>Buyer Comment (2025-04-28): Mavent Report | 05/14/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 20251397 |  |  | 33484037 |  | Compliance | Compliance | Federal Compliance | Federal Defect | (Fed High Cost) Federal High-Cost Mortgage Loan (Points and Fees) | Truth in Lending Act (High-Cost Mortgage): Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees of $[Redacted]on a Federal Total Loan Amount of $[Redacted]vs. an allowable total of $[Redacted](an overage of $[Redacted]or .18085%). Non-Compliant High Cost Loan. | Points and Fees on subject loan of [Redacted]% is in excess of the allowable maximum of [Redacted]% of the Federal Total Loan Amount. Points and Fees of $[Redacted]on a Federal Total Loan Amount of $[Redacted] vs. an allowable total of $[Redacted]. |  |  |  | Reviewer Comment (2025-05-14): Cure documentation received.<br>Buyer Comment (2025-05-12): See uploaded borrower choice letter attached to condition [Redacted]<br>Reviewer Comment (2025-05-07): DF HOEPA Cures<br>A DF HOEPA Loan may be cured within [Redacted] of consummation or [Redacted]of discovery. To cure, the following conditions must be met:<br>Borrower Choice Letter<br>In order for the cure to be effective, it must be at the choice of the consumer and cannot just be satisfied by lender issuing a refund check or applying a principal reduction for the overage.<br>The two choices for the consumer are to either (1) accept a refund/principal reduction which will remove the loan from high-cost status; or (2) keep the loan as high-cost (with no refund) and have the lender cure each of the prohibited practice violations so that in the end, the loan will be a compliant HOEPA loan.<br>While most consumers will opt to choose the refund route for curing, that decision cannot be made unilaterally by lender - the consumer must be given the choice under the regulation. This is typically accomplished through a "Borrower Choice Letter" (a sample is not made available by the rule so each lender would make their own) which provides for two checkboxes and asking the consumer to choose which option they wish to proceed with.<br>While the lender cannot choose or steer the consumer into one option or the other, there is nothing that prevents the lender from explaining the benefits of either option.<br>Proof of remediation based on Choice<br>Assuming borrower opts for the refund, a copy of the refund check (or proof of principal reduction).<br>Assuming borrower opts to keep loan as high-cost and cure prohibited practice violations (rare), proof that each violation was cured.<br>Proof of Mailing<br>Proof mailing (e.g., [Redacted]tracking label) - must be in transit in order to cure<br>Buyer Comment (2025-05-02): See docs uploaded to condition [Redacted]<br>Reviewer Comment (2025-04-29): The updated Mavent does not include th [Redacted] Loan Extension Fee, which his the reason for the HOEPA fail.<br>Buyer Comment (2025-04-28): Mavent Report |  | 05/14/2025 |  | 2 C B |  | PA | Primary | Refinance - Cash-out - Other | (1) Signed letter from borrower indicating their choice to either (a) accept refund and make loan non-high-cost or (b) keep loan as high-cost and make loan compliant; (2) Assuming option (a) is selected, a copy of refund check and proof of mailing; (3) Assuming option (b) is selected, proof of cure for each of the prohibited practices violations noted. C B | Non QM | Non QM | Yes |
|  | 20251397 |  |  | 33484038 |  | 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. | Waterfall due to Points and Fees on subject loan is in excess of the allowable maximum. |  |  |  | Reviewer Comment (2025-05-14): Cure documentation received. Loan is no longer a HOEPA loan.<br>Buyer Comment (2025-05-12): See uploaded borrower choice letter attached to condition [Redacted]<br>Reviewer Comment (2025-05-07): DF HOEPA Cures<br>A DF HOEPA Loan may be cured within 30 days of consummation or 60 days of discovery. To cure, the following conditions must be met:<br>Borrower Choice Letter<br>In order for the cure to be effective, it must be at the choice of the consumer and cannot just be satisfied by lender issuing a refund check or applying a principal reduction for the overage.<br>The two choices for the consumer are to either (1) accept a refund/principal reduction which will remove the loan from high-cost status; or (2) keep the loan as high-cost (with no refund) and have the lender cure each of the prohibited practice violations so that in the end, the loan will be a compliant HOEPA loan.<br>While most consumers will opt to choose the refund route for curing, that decision cannot be made unilaterally by lender - the consumer must be given the choice under the regulation. This is typically accomplished through a "Borrower Choice Letter" (a sample is not made available by the rule so each lender would make their own) which provides for two checkboxes and asking the consumer to choose which option they wish to proceed with.<br>While the lender cannot choose or steer the consumer into one option or the other, there is nothing that prevents the lender from explaining the benefits of either option.<br>Proof of remediation based on Choice<br>Assuming borrower opts for the refund, a copy of the refund check (or proof of principal reduction).<br>Assuming borrower opts to keep loan as high-cost and cure prohibited practice violations (rare), proof that each violation was cured.<br>Proof of Mailing<br>Proof mailing (e.g., [Redacted]tracking label) - must be in transit in order to cure<br>Buyer Comment (2025-05-02): See docs uploaded to condition [Redacted]<br>Reviewer Comment (2025-04-29): The updated Mavent does not include the $[Redacted]Loan Extension Fee, which his the reason for the HOEPA fail.<br>Buyer Comment (2025-04-28): Mavent Report | 05/14/2025 |  |  | 1 C A |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 20251397 |  |  | 33484040 |  | Credit | Credit | Credit Calculation / Analysis | Credit | Guideline Issue: Insufficient tradelines per credit guidelines |  | Lender exception for minimum tradelines. Approval in file. | Borrower has verified disposable income of at least $[Redacted].<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum. | $[Redacted] residual income.<br>[Redacted] months reserves.<br>DTI is [Redacted] % below guideline max. | Originator,SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-04-21): Lender exception in file. |  |  | 04/21/2025 | 2 B |  | PA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 20251398 |  |  | 33200774 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception to use greater than [Redacted] of business funds for reserves. Approval in file. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. | $[Redacted]residual income.<br>[Redacted] months reserves. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-04-08): Lender exception in file. |  |  | 04/08/2025 | 2 B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20251398 |  |  | 33200780 |  | Compliance | Compliance | State Compliance | State HPML | New York Subprime Home Loan Threshold Fixed Compliant | New York Subprime Loan: APR on subject loan of [Redacted]% or Final Disclosure APR of [Redacted]% is in excess of allowable threshold of Prime Mortgage Market Rate [Redacted]+ [Redacted]%, or [Redacted]%. Compliant SubPrime Loan. | APR on subject loan of [Redacted] or Final Disclosure [Redacted] of [Redacted] is in excess of allowable threshold of Prime Mortgage Market Rate [Redacted] + [Redacted] , or [Redacted] . |  |  |  | Reviewer Comment (2025-05-06): Lender ignores odd dayes.<br>Seller Comment (2025-05-05): Please note, this has been reviewed and confirmed that Arc uses the optional method of ignoring the odd period in the APR calculation.<br>Seller Comment (2025-04-11): Disagree. Final CD reflects APR of [Redacted] which is under the [Redacted] Subprime threshold of[Redacted]. It appears [Redacted] included an interest cred [Redacted] in the APR calc, which was based on initial closing docs for original closing date of [Redacted]. Loan closing date was subsequently rescheduled for [Redacted]. Revised loan documents were issued on [Redacted] with interest credit of [Redacted], and loan closed and funded same day,[Redacted]. | 05/06/2025 |  |  | 1 B A |  | NY | Primary | Purchase | (Limited Use Bona Fide Errors - Compliance and Client Approval Required) With no time limit for which a cure may be made, provide: (1) Legal opinion from originating lender with loan-specific details on how a high-cost loan was made despite procedures to prevent and confirms (i) the failure constitutes a bona fide error for the jurisdiction in which the property is located, and (ii) that the lender has not received any notice from the borrower of the failure; (2) procedures or explanation of controls in place to prevent such errors; (3) client written approval accepting use of the bona fide error cure; (4) Letter of Explanation to borrower; (5) refund of amount over the subprime home loan threshold maximum; and (6) proof of mailing (must be in transit with courier). Note, a cure may not be accepted if the seller/lender has certified a fix has been made to their system and the same issue continues to occur after the fix has been put into place. | Non QM | Non QM | Yes |
|  | 20251398 |  |  | 33200781 |  | 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 $[Redacted]exceeds tolerance of $[Redacted]. Sufficient or excess cure was provided to the borrower at Closing. |  |  |  |  | Reviewer Comment (2025-04-07): Sufficient Cure Provided At Closing |  | 04/07/2025 |  | 1 A |  | NY | Primary | Purchase | Final CD evidences Cure B A | Non QM | Non QM | Yes |
|  | 20251398 |  |  | 33200789 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Credit | Guideline Requirement: Maximum Loan Amount discrepancy. | Note loan amount of ___ is greater than Guideline maximum loan amount of ___. | Note loan amount of $[Redacted] is greater than Guideline maximum loan amount of $[Redacted] or a Loan with [Redacted] LTV | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted]. | $[Redacted]residual income.<br>[Redacted] months reserves. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC | Reviewer Comment (2025-04-11): Lender exception in file.<br>Seller Comment (2025-04-11): Approved Exception can be found on page [Redacted] of [Redacted] in regards to this finding. |  |  | 04/11/2025 | 2 C B |  | NY | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20251400 |  |  | 33425261 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Missing CPA letter verifying expense ratio of [Redacted]%. |  |  |  | Reviewer Comment (2025-04-30): An updated 1003 and 1008 were provided using the fixed expense factor of [Redacted]%.<br>Buyer Comment (2025-04-29): Updated 1003 and 1008 to reflect Expense Factor of [Redacted]% following Business Narrative in file for Option [Redacted] bank statement income calculation. | 04/30/2025 |  |  | 1 C A |  | TX | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251403 |  |  | 33425270 |  | Credit | Title | Document Error | Title | The Preliminary title policy is within CA or NV and does not reflect a coverage amount (no final title policy in file). Unable to determine if appropriate coverage is provided. |  | The preliminary title policy amount is blank.A final policy was not provided. |  |  |  | Reviewer Comment (2025-04-30): Received and associated Supplemental Title preliminary title policy amount $[Redacted]. Exception cleared.<br>Buyer Comment (2025-04-28): See Uploaded Title Supplement<br>Buyer Comment (2025-04-28): Title Supplement | 04/30/2025 |  |  | 1 B A |  | CA | Primary | Refinance - Cash-out - Other | C A B | Non QM | Non QM | No |
|  | 20251403 |  |  | 33425274 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Revised Loan Estimate Timing Before Closing | TILA-RESPA Integrated Disclosure: Revised Loan Estimate provided on[Redacted] not received by borrower at least four (4) business days prior to closing. | Revised Loan Estimate provided on [Redacted] not received by borrower at least four ([Redacted]) business days prior to closing. |  |  |  | Reviewer Comment (2025-04-30): Upon further review, Revised LE timing met on earliest electronic receipt<br>Buyer Comment (2025-04-29): See uploaded Disclosure delivery summary verifying LE provided to borrower [Redacted]days prior to closing. | 04/30/2025 |  |  | 1 C A |  | CA | Primary | Refinance - Cash-out - Other | No Defined Cure A B | Non QM | Non QM | No |
|  | 20251405 |  |  | 33218669 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception to allow [Redacted] seller credit versus [Redacted] allowed. Approval provided. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted]months reserves<br>Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-04-10): Lender exception in file. |  |  | 04/10/2025 | 2 B |  | FL | Investment | Purchase | B A |  | N/A | No |
|  | 20251408 |  |  | 33483912 |  | Property | Valuation | Valuation Issue | Valuation | The desk review has a effective date that is other than what the appraisal effective date is. The desk review should have the same effective date as the appraisal |  |  |  |  |  | Reviewer Comment (2025-04-28): Updated cda provided.<br>Buyer Comment (2025-04-24): See docs provided<br>Reviewer Comment (2025-04-11): The appraisal effective date is [Redacted], exception remains.<br>Buyer Comment (2025-04-09): Appraisal effective date and CDA effective date are both [Redacted] | 04/28/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251409 |  |  | 33484296 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved for [Redacted] EAD on [Redacted] DSCR. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months. | [Redacted] months reserves. | Originator,SitusAMC | Reviewer Comment (2025-04-04): Lender exception in file. |  |  | 04/04/2025 | 2 B |  | IL | Investment | Purchase | B A |  | N/A | No |
|  | 20251411 |  |  | 33345817 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). | Originator Loan Designation of Higher Priced QM (APOR) does not match Due Diligence Loan Designation of Safe Harbor QM (APOR). |  |  |  | Reviewer Comment (2025-05-09): Client has restated loan to Safe Harbor QM (APOR).<br>Seller Comment (2025-05-07): [Redacted] - Confirmed - please re-state loan designation to Safe Harbor.<br>Reviewer Comment (2025-05-02): The data tape for this loan reflected the loan designation as High Priced QM (APOR), but the loan is not High Priced. The loan designation is Safe Harbor QM (APOR). Please advise if this needs to be restated as Safe Harbor QM.<br>Seller Comment (2025-04-30): [Redacted]- Entered comments in [Redacted]l & [Redacted]. Exception is invalid - please cancel. Waterfall to [Redacted]. No timing violation. | 05/09/2025 |  |  | 1 B A C |  | NJ | Primary | Purchase | Lender to provide updated ATR/QM status C B | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20251411 |  |  | 33435646 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Restated Loan Designation Match - QM / ATR | Ability to Repay / Qualified Mortgage (Dodd-Frank 2014): The initial Loan Designation provided did not match, however, the updated Loan Designation of Safe Harbor QM (APOR) matches the Due Diligence Loan Designation of Safe Harbor QM (APOR). | Client has restated loan to Safe Harbor QM (APOR).Please accept as is. |  |  |  | Reviewer Comment (2025-05-19): Client accepts "as is".<br>Seller Comment (2025-05-15): [Redacted]to [Redacted]- re-stated to [Redacted]. |  |  |  | 2 A B |  | NJ | Primary | Purchase | C B A | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20251413 |  |  | 33484017 |  | Credit | Income / Employment | Income Documentation | Income / Employment | Income Docs Missing: |  | Income Docs Missing: Business Narrative document not provided |  |  |  | Reviewer Comment (2025-05-05): Received and associated Business narrative document for [Redacted]. Exception Cleared.<br>Buyer Comment (2025-05-01): See docs provided<br>Reviewer Comment (2025-04-22): Received Business narrative for" [Redacted]". Please provide business narrative document for " [Redacted]" for [Redacted]. Exception remains.<br>Buyer Comment (2025-04-18): See docs provided | 05/05/2025 |  |  | 1 C A |  | KS | Primary | Purchase | C A | Non QM | Non QM | No |
|  | 20251416 |  |  | 33484291 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Vesting in entity with [Redacted] members and [Redacted] of the members being borrowers, lender exception in file. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. | [Redacted] months reserves.<br>LTV is [Redacted]% below guideline max. | Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-03-18): Lender exception in file. |  |  | 03/18/2025 | 2 B |  | MD | Investment | Purchase | B A |  | N/A | No |
|  | 20251416 |  |  | 33484292 |  | Credit | System | General | System | Security Instrument address does not match Note address. |  |  |  |  |  | Reviewer Comment (2025-04-25): Documentation provided; exception cleared.<br>Buyer Comment (2025-04-25): Deed of Trust and Final 1008<br>Reviewer Comment (2025-04-25): Waiting for images.<br>Buyer Comment (2025-04-25): See uploaded docs with corrected address city | 04/25/2025 |  |  | 1 A |  | MD | Investment | Purchase | B A |  | N/A | No |
|  | 20251416 |  |  | 33484293 |  | Credit | System | General | System | AUS/Approval Subject Address does not match Note address. |  |  |  |  |  | Reviewer Comment (2025-04-25): Documentation provided; exception cleared.<br>Buyer Comment (2025-04-25): Deed of Trust<br>Reviewer Comment (2025-04-25): Waiting for images.<br>Buyer Comment (2025-04-25): 1008/Approval with corrected address | 04/25/2025 |  |  | 1 A |  | MD | Investment | Purchase | B A |  | N/A | No |
|  | 20251418 |  |  | 33497273 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-04-24): A CDA was provided.<br>Buyer Comment (2025-04-22): See CDA provided | 04/24/2025 |  |  | 1 D A |  | NH | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20251418 |  |  | 33497275 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance coverage $[Redacted]. Extended coverage of $[Redacted]..Documentedt total coverage of $[Redacted]..Coverage amount is less than loan amount of $[Redacted]. A replacement cost estimate was not provided. |  |  |  | Reviewer Comment (2025-04-18): Received and associated Replacement Cost Estimator document. Exception Cleared.<br>Buyer Comment (2025-04-16): see docs provided | 04/18/2025 |  |  | 1 C A |  | NH | Second Home | Purchase | D A C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20251418 |  |  | 33497276 |  | 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 ([Redacted]) business days prior to closing. | Closing Disclosure not provided to Borrower at least three business days prior to closing. |  |  |  | Reviewer Comment (2025-04-22): [Redacted] received CD dated [Redacted]<br>Buyer Comment (2025-04-21): See docs provided | 04/22/2025 |  |  | 1 C A |  | NH | Second Home | Purchase | No Defined Cure A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20251419 |  |  | 33483967 |  | 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 - Lender's Title Insurance. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Title - Lender's Title Insurance. Fee Amount of $[Redacted] exceeds tolerance of $[Redacted]. No valid changed circumstance was provided. No cure was provided to the Borrower. |  |  |  | Reviewer Comment (2025-04-22): [Redacted]received Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD.<br>Buyer Comment (2025-04-21): see cure provided |  | 04/22/2025 |  | 2 C B |  | VA | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | Yes |
|  | 20251419 |  |  | 33483968 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | The Operating Agreement states borrower ([Redacted]) has [Redacted]% ownership in business, lender using [Redacted]%. Please provide evidence of borrower's percentage of business ownership. |  |  |  | Reviewer Comment (2025-04-17): Documentation provided; exception cleared.<br>Buyer Comment (2025-04-15): see docs provided | 04/17/2025 |  |  | 1 C A |  | VA | Primary | Refinance - Cash-out - Other | C B A | Non QM | Non QM | No |
|  | 20251420 |  |  | 33425287 |  | Credit | Missing Document | General | Missing Document | Missing Document: Road Maintenance Agreement not provided |  |  |  |  |  | Reviewer Comment (2025-04-28): Road Maintenance Agreement was provided<br>Buyer Comment (2025-04-24): See docs provided<br>Reviewer Comment (2025-04-15): Street is maintained privately based on the 1004, hence we require the private road maintenance agreement. Exception remains<br>Buyer Comment (2025-04-11): I do not see anywhere that points to a road maintenance agreement being needed - please explain. | 04/28/2025 |  |  | 1 C A |  | FL | Investment | Purchase | C B A |  | N/A | No |
|  | 20251420 |  |  | 33425288 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Non arms length investment property. Am [Redacted] lender exception was provided however missing lender exception from [Redacted]. | Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the guideline required amount by the equivalent of [Redacted] months PITIA or more.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The qualifying DTI on the loan is at least [Redacted]% less than the guideline maximum.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | $[Redacted]residual income.<br>More than [Redacted] months more than minimum requirement verified.<br>DTI is [Redacted]% below guideline max.<br>Fico is [Redacted] points above guideline minimum. | SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>SitusAMC<br>Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-04-17): Lender exceptions provided.<br>Buyer Comment (2025-04-15): See docs provided |  |  | 04/17/2025 | 2 C B |  | FL | Investment | Purchase | C B A |  | N/A | No |
|  | 20251421 |  |  | 33425330 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  | Articles of Organization not provided in the file. |  |  |  | Reviewer Comment (2025-04-25): Received and associated Articles of Organization/Formation for[Redacted]. Exception cleared.<br>Buyer Comment (2025-04-23): Articles of Organization | 04/25/2025 |  |  | 1 C A |  | TN | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 20251422 |  |  | 33363187 |  | 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 Document Preparation Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for CEMA Document Preparation Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-05-08): [Redacted]received LOE to remove LE dated [Redacted] not provided to the borrower.<br>Seller Comment (2025-05-06): [Redacted] - Entered comments in [Redacted]& [Redacted]. Uploaded Lender Attestation from [Redacted]- Disclosure Desk Manager - with evidence of Initial Disclosure Package issued [Redacted]to borrower - per DocMagic eSign Console & MerdianLink. There is no tolerance violation or refund due to the borrower. The loan estimate document in the file dated [Redacted] was not issued to the borrower but was provided to [Redacted] by the broker to provide confirmation of any broker-known fees for [Redacted] to disclose. Please review and clear exception.<br>Seller Comment (2025-05-06): [Redacted] - Entered comments in [Redacted] & [Redacted]. Uploaded Lender Attestation from [Redacted] - Disclosure Desk Manager - with evidence of Initial Disclosure Package issued [Redacted] to borrower - per DocMagic eSign Console & MerdianLink. There is no tolerance violation or refund due to the borrower. The loan estimate document in the file dated [Redacted] was not issued to the borrower but was provided to [Redacted]by the broker to provide confirmation of any broker-known fees for [Redacted] to disclose. Please review and clear exception.<br>Seller Comment (2025-05-06): [Redacted] - Entered comments in [Redacted] & [Redacted]. Uploaded Lender Attestation from [Redacted] - Disclosure Desk Manager - with evidence of Initial Disclosure Package issued [Redacted] to borrower - per DocMagic eSign Console & MerdianLink. There is no tolerance violation or refund due to the borrower. The loan estimate document in the file dated [Redacted] was not issued to the borrower but was provided to [Redacted]by the broker to provide confirmation of any broker-known fees for [Redacted]to disclose. Please review and clear exception.<br>Seller Comment (2025-05-06): [Redacted] - Entered comments in [Redacted]& [Redacted]. Uploaded Lender Attestation from [Redacted]- Disclosure Desk Manager - with evidence of Initial Disclosure Package issued [Redacted] to borrower - per DocMagic eSign Console & MerdianLink. There is no tolerance violation or refund due to the borrower. The loan estimate document in the file dat [Redacted] was not issued to the borrower but was provided to [Redacted]by the broker to provide confirmation of any broker-known fees for [Redacted] to disclose. Please review and clear exception. | 05/08/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20251422 |  |  | 33363188 |  | 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 Lenders Attorney Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Lenders Attorney Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-05-08): [Redacted]received LOE to remove LE dated [Redacted]not provided to the borrower.<br>Seller Comment (2025-05-06): [Redacted] - Entered comments in [Redacted] & [Redacted]. Uploaded Lender Attestation from [Redacted]- Disclosure Desk Manager - with evidence of Initial Disclosure Package issued [Redacted] to borrower - per DocMagic eSign Console & [Redacted]. There is no tolerance violation or refund due to the borrower. The loan estimate document in the file dated [Redacted] was not issued to the borrower but was provided to[Redacted] by the broker to provide confirmation of any broker-known fees for [Redacted] to disclose. Please review and clear exception.<br>Seller Comment (2025-05-06): [Redacted] - Entered comments in [Redacted]. Uploaded Lender Attestation from [Redacted]- Disclosure Desk Manager - with evidence of Initial Disclosure P [Redacted] [Redacted] was not issued to the borrower but was provided to [Redacted] by the broker to provide confirmation of any broker-known fees for [Redacted] to disclose. Please review and clear exception.<br>Seller Comment (2025-05-06): [Redacted] - Entered comments in [Redacted]. Uploaded Lender Attestation from [Redacted] - Disclosure Desk Manager - with evidence of Initial Disclosure Package issued [Redacted] to borrower - per DocMagic eSign Console & MerdianLink. There is no tolerance violation or refund due to the borrower. The loan estimate document in the file dated [Redacted] was not issued to the borrower but was provided to [Redacted] by the broker to provide confirmation of any broker-known fees for [Redacted] to disclose. Please review and clear exception.<br>Seller Comment (2025-05-06): [Redacted]- Entered comments in [Redacted]& [Redacted]. Uploaded Lender Attestation from Jennifer Greenhall - Disclosure Desk Manager - with evidence of Initial Disclosure Package issued [Redacted] to borrower - per DocMagic eSign Console & MerdianLink. There is no tolerance violation or refund due to the borrower. The loan estimate document in the file dated [Redacted]was not issued to the borrower but was provided to [Redacted] by the broker to provide confirmation of any broker-known fees for [Redacted]to disclose. Please review and clear exception. | 05/08/2025 |  |  | 1 C A |  | NY | Primary | Refinance - Cash-out - Other | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20251424 |  |  | 33425285 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception for condo project with existing timeshare units. Approval in file. | The representative FICO score exceeds the guideline minimum by at least [Redacted]points.<br>Borrower has been employed in the same industry for more than [Redacted] years.<br>Borrower has verified disposable income of at least $[Redacted].<br>Borrower has worked in the same position for more than [Redacted] years.<br>Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>Borrowers made a down payment from their own funds on this purchase transaction of at least [Redacted]% and $[Redacted].<br>The Combined Loan to Value (CLTV) on the loan is less than the guideline maximum by at least [Redacted]%.<br>The Loan to Value (LTV) on the loan is less than the guideline maximum by at least [Redacted]%. | [Redacted] FICO | SitusAMC,Aggregator<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC<br>SitusAMC | Reviewer Comment (2025-03-24): The client elects to waive. |  |  | 03/24/2025 | 2 B |  | HI | Investment | Purchase | B A |  | N/A | No |
|  | 20251426 |  |  | 33425224 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Missing complete [Redacted] month history of primary residence payment. Prior rental lease of VOR was not provided. |  |  |  | Reviewer Comment (2025-04-24): Lease with [Redacted] bank statements for proof of rental payment.<br>Buyer Comment (2025-04-22): VOR with payment history. | 04/24/2025 |  |  | 1 C A D |  | FL | Primary | Refinance - Cash-out - Other | D A | Non QM | Non QM | No |
|  | 20251429 |  |  | 33425334 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  | Copy of Business Purpose Certificate is not available in file. |  |  |  | Reviewer Comment (2025-04-30): Received and associated Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-04-28): Business purpose | 04/30/2025 |  |  | 1 C A |  | OH | Investment | Purchase | C A |  | N/A | No |
|  | 20251430 |  |  | 33483981 |  | Credit | Income / Employment | Income Documentation | Missing Document | REO Documents are missing. |  | Missing mortgage statement to verify PITI. |  |  |  | Reviewer Comment (2025-04-24): Documentation provided; exception cleared.<br>Reviewer Comment (2025-04-22): Closing Disclosure is not available in file for the property [Redacted]", Please provide Closing Disclosure for the property " [Redacted]". Exception remains.<br>Buyer Comment (2025-04-18): See lender's explanation: we didn't have the statement in file because the borrower would not have received their first mortgage at the time of the application. That's why we provided the CD instead since they purchased the property in January.<br>Reviewer Comment (2025-04-16): Please provide Mortgage statement for [Redacted], [Redacted]. Exception remains<br>Buyer Comment (2025-04-14): See docs provided | 04/24/2025 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 20251430 |  |  | 33483983 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Missing Final 1003 |  | Borrower signed and dated Final 1003 was not provided. |  |  |  | Reviewer Comment (2025-04-16): Received and associated Final 1003 document. Exception cleared.<br>Buyer Comment (2025-04-14): See 1003 provided | 04/16/2025 |  |  | 1 C A |  | WI | Primary | Refinance - Cash-out - Other | C A | Non QM | Non QM | No |
|  | 20251431 |  |  | 32841269 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved to waive LTV reduction for cash out properties still listed for sale. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] months reserves.<br>Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-02-17): Lender exception in file. |  |  | 02/17/2025 | 2 B |  | CA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 20251431 |  |  | 32859955 |  | Credit | Missing Document | General | Missing Document | Missing Document: Vacation Rental Website Listing not provided |  | Missing vacation rental listing. |  |  |  | Reviewer Comment (2025-02-21): Received and associated Vacation Rental Website Listing. Exception Cleared.<br>Seller Comment (2025-02-19): Attached the Vacation Rental Website Listing | 02/21/2025 |  |  | 1 C A |  | CA | Investment | Refinance - Cash-out - Other | C B A |  | N/A | No |
|  | 20251432 |  |  | 33023808 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender exception approved to waive [Redacted] and [Redacted] impounds. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | [Redacted] months reserves.<br>Fico is [Redacted] points above guideline minimum. | Originator,SitusAMC<br>Originator,SitusAMC | Reviewer Comment (2025-03-13): Lender exception in file. |  |  | 03/13/2025 | 2 B |  | NY | Investment | Refinance - Cash-out - Other | B A |  | N/A | No |
|  | 20251433 |  |  | 33148401 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  | Missing letter of explanation stating that use of business funds will not negatively impact the business. Missing evidence of receipt of gift for[Redacted] by closing company. |  |  |  | Reviewer Comment (2025-04-18): Gift documentation provided, exception cleared.<br>Reviewer Comment (2025-04-17): Please provide Evidence of receipt for Gift funds [Redacted] to Cover cash from borrower. Exception remains<br>Seller Comment (2025-04-15): Attached new bank statements for [Redacted] account ending in [Redacted], Access letter from the Wife for the Funds for reserves and updated [Redacted] and [Redacted].<br>Seller Comment (2025-04-15): Attached new bank statements for [Redacted] account ending in [Redacted] Access letter from the Wife for the Funds for reserves and updated [Redacted] and [Redacted].<br>Reviewer Comment (2025-04-08): The LOE alone is not sufficient. We need either a CPA letter or a cash flow analysis from the uw for use of business funds for closing, exception remains.<br>Seller Comment (2025-04-04): On page [Redacted] of [Redacted] is a LOE from the borrower which states " Everything with the business will remain as-is and continue to grow year after year" This has the same meaning as it will not negatively impact his business. Please Cancel. | 04/18/2025 |  |  | 1 C A |  | SC | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20251433 |  |  | 33148418 |  | Credit | Credit | AUS Discrepancy / Guidelines Discrepancy | Guideline | Guideline Requirement: PITIA reserves months discrepancy. |  | Missing letter of explanation stating that use of business funds will not negatively impact the business. Missing evidence of receipt of gift for [Redacted] by closing company. |  |  |  | Reviewer Comment (2025-04-18): Gift documentation provided, exception cleared.<br>Reviewer Comment (2025-04-17): Please provide Evidence of receipt for Gift funds [Redacted] to Cover cash from borrower. Exception remains<br>Seller Comment (2025-04-15): Waterfall Finding to Exception [Redacted]<br>Reviewer Comment (2025-04-08): The LOE alone is not sufficient. We need either a CPA letter or a cash flow analysis from the uw for use of business funds for closing, exception remains.<br>Seller Comment (2025-04-04): Waterfall Finding to Exception [Redacted] | 04/18/2025 |  |  | 1 C A |  | SC | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20251433 |  |  | 33148421 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | Check Loan Designation Match - QM | Qualified Mortgage (Dodd-Frank [Redacted]): Originator Loan Designation of Safe Harbor QM (APOR) does not match Due Diligence Loan Designation of QM (APOR) Risk. | Missing letter of explanation stating that use of business funds will not negatively impact the business. Missing evidence of receipt of gift for [Redacted] by closing company. |  |  |  | Reviewer Comment (2025-04-18): Gift documentation provided, exception cleared.<br>Reviewer Comment (2025-04-17): Please provide Evidence of receipt for Gift funds [Redacted] to Cover cash from borrower. Exception remains<br>Seller Comment (2025-04-15): Waterfall Finding to Exception[Redacted]<br>Reviewer Comment (2025-04-08): The LOE alone is not sufficient. We need either a CPA letter or a cash flow analysis from the uw for use of business funds for closing, exception remains.<br>Seller Comment (2025-04-04): Waterfall Finding to Exception [Redacted] | 04/18/2025 |  |  | 1 B A C |  | SC | Primary | Purchase | Lender to provide updated ATR/QM status C | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | Yes |
|  | 20251433 |  |  | 33148422 |  | Compliance | Compliance | Federal Compliance | ATR/QM Defect | General QM Provision Investor Guidelines Violation | General QM: Based on the loan failing one or more guideline components, the loan is at QM risk. | Missing letter of explanation stating that use of business funds will not negatively impact the business. Missing evidence of receipt of gift for [Redacted] by closing company. |  |  |  | Reviewer Comment (2025-04-18): Gift documentation provided, exception cleared.<br>Reviewer Comment (2025-04-17): Please provide Evidence of receipt for Gift funds [Redacted] to Cover cash from borrower. Exception remains<br>Seller Comment (2025-04-15): Waterfall Finding to Exception [Redacted]<br>Reviewer Comment (2025-04-08): The LOE alone is not sufficient. We need either a CPA letter or a cash flow analysis from the uw for use of business funds for closing, exception remains.<br>Seller Comment (2025-04-04): Waterfall Finding to Exception[Redacted] | 04/18/2025 |  |  | 1 C A |  | SC | Primary | Purchase | C A | Safe Harbor QM (APOR) | Safe Harbor QM (APOR) | No |
|  | 20251434 |  |  | 33425339 |  | Property | Property - Appraisal | Appraisal Documentation | Property - Appraisal | Loan is to be securitized. Secondary valuation is missing. Sec ID: 2 |  |  |  |  |  | Reviewer Comment (2025-04-30): Received secondary valuation CDA with value [Redacted]. Exception Cleared.<br>Buyer Comment (2025-04-29): See docs provided | 04/30/2025 |  |  | 1 D A |  | NC | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
|  | 20251434 |  |  | 33425340 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Articles of Organization/Formation not provided |  |  |  |  |  | Reviewer Comment (2025-04-30): Received and associated Articles of Organization/Formation for [Redacted]. Exception Cleared.<br>Buyer Comment (2025-04-29): See docs provided | 04/30/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
|  | 20251434 |  |  | 33425341 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Business Purpose Certificate not provided |  |  |  |  |  | Reviewer Comment (2025-04-30): Received and associated Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-04-29): See docs provided | 04/30/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
|  | 20251434 |  |  | 33425342 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Certificate of Good Standing not provided |  |  |  |  |  | Reviewer Comment (2025-04-30): Received and associated Business Entity Listing document for [Redacted]. Exception Cleared.<br>Buyer Comment (2025-04-29): See docs provided | 04/30/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
|  | 20251434 |  |  | 33425343 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Corporate Resolution not provided |  |  |  |  |  | Reviewer Comment (2025-04-30): Received and associated Operating Agreement for [Redacted] Exception Cleared.<br>Buyer Comment (2025-04-29): See docs provided | 04/30/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
|  | 20251434 |  |  | 33425344 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Employer Identification Number (EIN) not provided |  |  |  |  |  | Reviewer Comment (2025-04-30): Received and associated Employer Identification Number (EIN) for [Redacted]. Exception Cleared.<br>Buyer Comment (2025-04-29): See docs provided | 04/30/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
|  | 20251434 |  |  | 33425345 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Operating Agreement not provided |  |  |  |  |  | Reviewer Comment (2025-04-30): Received and associated Operating Agreement for [Redacted]. Exception Cleared.<br>Buyer Comment (2025-04-29): See docs provided | 04/30/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
|  | 20251434 |  |  | 33425346 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Non-Owner Occupancy Declaration not provided |  |  |  |  |  | Reviewer Comment (2025-04-30): Received and associated Business Purpose Certificate. Exception Cleared.<br>Buyer Comment (2025-04-29): See docs provided | 04/30/2025 |  |  | 1 C A |  | NC | Investment | Refinance - Cash-out - Other | D A C |  | N/A | No |
|  | 20250597 |  |  | 33318792 |  | Credit | Insurance | Insurance Analysis | Insurance | Insufficient Coverage: Hazard insurance coverage amount is insufficient. |  | Hazard Insurance Coverage Amount is insufficient by $[Redacted]. |  |  |  | Reviewer Comment (2025-02-21): Received HOI with sufficient coverage in the file. Exception Cleared.<br>Buyer Comment (2025-02-19): HOI with sufficient coverage uploaded for review. | 02/21/2025 |  |  | 1 C A |  | GA | Investment | Refinance - Cash-out - Other | C A |  | N/A | No |
|  | 20250596 |  |  | 33418914 |  | 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. | Appraisal was provided at closing and not [Redacted]days prior to closing. |  |  |  | Reviewer Comment (2025-02-28): Appraisal 3 day timing waiver received, exception cleared.<br>Buyer Comment (2025-02-26): Appraisal waiver uploaded for review. | 02/28/2025 |  |  | 1 B A |  | OR | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20250596 |  |  | 33418915 |  | 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 (2025-02-25): There is no affiliate business disclosure from lender, exception cleared.<br>Buyer Comment (2025-02-21): The Affiliated Business Arrangement Disclosure in your portal under Doc ID's [Redacted]& [Redacted]are reflecting from [Redacted]", these are not CEL disclosures. Per the SSPL provided under Doc ID [Redacted]& [Redacted], CEL does not have any affiliates, the only noted provided is NETCO. | 02/25/2025 |  |  | 1 B A |  | OR | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20250596 |  |  | 33418916 |  | 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 $-[Redacted]exceeds tolerance of $-[Redacted]. Insufficient or no cure was provided to the borrower. | Sufficient cure or valid change of circumstance is required to cover the cure |  |  |  | Reviewer Comment (2025-02-24): [Redacted] received valid COC dated[Redacted]<br>Buyer Comment (2025-02-21): COC form uploaded for review. | 02/24/2025 |  |  | 1 C A |  | OR | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
|  | 20250596 |  |  | 33418918 |  | 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 $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Zero Percent Fee Tolerance exceeded for Appraisal Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. |  |  |  | Reviewer Comment (2025-03-18): [Redacted] received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Buyer Comment (2025-03-17): PCCD cure documentation uploaded for review. |  | 03/18/2025 |  | 2 C B |  | OR | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
|  | 20250596 |  |  | 33418919 |  | 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. | Borrower was a W-2 employee and changed to 1099 with same company, missing YTD P&L statement causing loan designation discrepancy. |  |  |  | Reviewer Comment (2025-03-18): Loan is Non-QM.<br>Buyer Comment (2025-02-21): Section [Redacted]1099 Borrowers does not reflects that a YTD P&L is required, please advise. | 03/18/2025 |  |  | 1 B A C |  | OR | Primary | Purchase | Lender to provide updated ATR/QM status C B | Non QM | Non QM | No |
|  | 20250596 |  |  | 33418920 |  | 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. | Borrower was a W-2 employee and changed to 1099 with same company, missing YTD P&L statement. |  |  |  | Reviewer Comment (2025-03-18): Meets lenders guidelines. Borrower was a W-2 employee and changed to 1099 with same company.<br>Reviewer Comment (2025-03-18): Cleared in error.<br>Reviewer Comment (2025-02-26): YTD P&L statement not required to qualify per guidelines.<br>Buyer Comment (2025-02-21): Section [Redacted]Borrowers does not reflects that a YTD P&L is required, please advise. | 03/18/2025 |  |  | 1 C A |  | OR | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20250593 |  |  | 33418946 |  | 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 ([Redacted]) business days prior to consummation. | No evidence in file showing borrower received copy of appraisal. |  |  |  | Reviewer Comment (2025-02-27): Appraisal delivery receipt received & uploaded. Exception cleared.<br>Buyer Comment (2025-02-26): The proof the appraisal was sent to the borrower was provided in the initial shipping package Doc ID [Redacted]page [Redacted]. The appraisal was sent on [Redacted], the presumed receipt date is [Redacted], the loan closed[Redacted], the ECOA [Redacted]business day requirement was met. | 02/27/2025 |  |  | 1 B A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20250593 |  |  | 33418950 |  | 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 Application Fee. Fee Amount of $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Application fee not disclosed on initial or final LE. No valid change in circumstance or cure for borrower provided. |  |  |  | Reviewer Comment (2025-02-27): Appraisal Fee name updated correctly & exception cleared.<br>Buyer Comment (2025-02-26): Your portal reflects a $[Redacted]Application fee paid by the borrower prior to closing however this is an error in your data entry. The only $[Redacted]fee paid by the borrower prior to closing was the Appraisal fee in the amount of $[Redacted]as noted on the final CD Doc ID [Redacted]page [Redacted]. | 02/27/2025 |  |  | 1 C A |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
|  | 20250593 |  |  | 33418951 |  | 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 $[Redacted]exceeds tolerance of $[Redacted]. Insufficient or no cure was provided to the borrower. | Credit report fee disclosed as $[Redacted]on initial CD and as $[Redacted]on final CD. No valid change in circumstance or cure for borrower provided. |  |  |  | Reviewer Comment (2025-03-18): [Redacted]received Corrected PCCD, Letter of Explanation, Proof of Delivery and Copy of Refund Check resulting in a cured the exception.<br>Buyer Comment (2025-03-17): PCCD cure documentation uploaded for review. |  | 03/18/2025 |  | 2 C B |  | CA | Primary | Purchase | Fee Tolerance Refund Provide the Following: Letter of Explanation, Proof of Delivery, Copy of Refund Check, and Corrected CD B A | Non QM | Non QM | No |
|  | 20250593 |  |  | 33418952 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Amount Financed Test | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted] disclosed an Amount Financed disclosed an inaccurate Amount Financed. The disclosed Amount Financed in the amount of $[Redacted]is over disclosed by $[Redacted]compared to the calculated Amount Financed of $[Redacted]and the disclosed Finance Charge is not accurate within applicable tolerances for Amount Financed to be considered accurate (fee amounts included in Amount Financed and Finance Charge calculations are based on Closing Disclosure dated [Redacted] | Amount financed disclosed as $[Redacted]vs actual amount financed of $[Redacted]. Variance of $[Redacted]. |  |  |  | Reviewer Comment (2025-02-27): Appraisal Fee name updated correctly & exception cleared.<br>Buyer Comment (2025-02-26): Your portal reflects a $[Redacted]Application fee paid by the borrower prior to closing however this is an error in your data entry. The only $[Redacted]fee paid by the borrower prior to closing was the Appraisal fee in the amount of $[Redacted]as noted on the final CD Doc ID [Redacted]page [Redacted]. | 02/27/2025 |  |  | 1 C A |  | CA | Primary | Purchase | TILA Material Disclosure Cure - Provide the following: Letter of Explanation, Proof of Delivery, Corrected CD, and Re-open Rescission if Applicable B | Non QM | Non QM | No |
|  | 20250593 |  |  | 33418953 |  | Compliance | Compliance | Federal Compliance | TRID Defect | TRID Final Closing Disclosure Finance Charge | TILA-RESPA Integrated Disclosure - Loan Calculations: Final Closing Disclosure provided on [Redacted]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 $[Redacted]is under disclosed by $[Redacted]compared to the calculated Finance Charge of $[Redacted]which exceeds the $[Redacted]threshold (fee amounts included in Finance Charge calculation are based on Closing Disclosure dated [Redacted]. | Finance charge disclosed as $[Redacted]vs actual finance charge of $[Redacted]. Variance of $[Redacted]. |  |  |  | Reviewer Comment (2025-02-27): Appraisal Fee name updated correctly & exception cleared.<br>Buyer Comment (2025-02-26): Your portal reflects a $[Redacted]Application fee paid by the borrower prior to closing however this is an error in your data entry. The only $[Redacted]fee paid by the borrower prior to closing was the Appraisal fee in the amount of $[Redacted]as noted on the final CD Doc ID [Redacted]page [Redacted]. | 02/27/2025 |  |  | 1 C A |  | CA | 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 if Applicable B | Non QM | Non QM | No |
|  | 20250593 |  |  | 33418954 |  | Credit | Asset | Asset Calculation / Analysis | Asset | Available for Closing is insufficient to cover Cash From Borrower. |  |  |  |  |  | Reviewer Comment (2025-02-27): Asset updated correctly. Exception cleared.<br>Buyer Comment (2025-02-26): Per the Final CD Doc ID [Redacted]the funds needed to close are [Redacted], you have included the[Redacted] EMD in your funds to close calculation however per the [Redacted] [Redacted] account [Redacted] transaction history Doc ID [Redacted] the EMD cleared the account on [Redacted]. Additionally attached is the appraisal invoice. | 02/27/2025 |  |  | 1 C A |  | CA | Primary | Purchase | C B A | Non QM | Non QM | No |
|  | 20250611 |  |  | 33418978 |  | Credit | Loan Package Documentation | Application / Processing | Missing Document | Missing Document: Other not provided |  | Verification of rent reflecting [Redacted] month housing history is not located in the file. |  |  |  | Reviewer Comment (2025-03-14): Cancelled check for verification of rent for [Redacted]months is located in the initial package. Exception cleared.<br>Buyer Comment (2025-03-13): The copy of the cancelled rents checks (per guidelines) were provided in the initial shipping package Doc ID [Redacted], denoting [Redacted] monthly which aligns with the information on the final 1003. | 03/14/2025 |  |  | 1 C A D |  | CA | Investment | Purchase | D A |  | N/A | No |
|  | 20250637 |  |  | 33523403 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception approved for lack of housing history. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Guidelines Representative FICO: [Redacted]<br> Representative FICO: [Redacted] | SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-03-20): Client elects to waive with comp factors. |  |  | 03/20/2025 | 2 B |  | NY | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 20250637 |  |  | 33523404 |  | Credit | Credit | Miscellaneous | Guideline | Credit Exception: |  | Lender Exception approved to allow POA on delayed financing. | Borrower's monthly reserves have been verified and exceed the amount required based on the guidelines by at least [Redacted] months.<br>The representative FICO score exceeds the guideline minimum by at least [Redacted] points. | Guidelines Representative FICO: [Redacted]<br> Representative FICO: [Redacted] | SitusAMC<br>Aggregator,SitusAMC | Reviewer Comment (2025-03-20): Client elects to waive with comp factors. |  |  | 03/20/2025 | 2 B |  | NY | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 20250637 |  |  | 33523405 |  | Credit | Missing Document | General | Missing Document | Missing Document: HUD/CD (Initial Purchase) not provided |  | File is missing HUD/CD for initial purchase on delayed finance transaction. |  |  |  | Reviewer Comment (2025-03-24): Received initial purchase on delayed finance transaction. Exception cleared.<br>Reviewer Comment (2025-03-21): Provided closing statement is not borrower's statement. Exception remains.<br>Seller Comment (2025-03-20): see attached<br> [Redacted] Closing Statement.pdf (Closing Disclosure) was uploaded | 03/24/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 20250637 |  |  | 33523406 |  | Credit | Missing Document | General | Missing Document | Missing Document: Source of Funds for the Initial Purchase not provided |  | File is missing source of funds for initial purchase on delayed finance transaction. |  |  |  | Reviewer Comment (2025-03-24): Bank statement received for verification for source of funds for initial purchase delayed finance transaction. exception cleared.<br>Seller Comment (2025-03-20): [Redacted] Closing Funds.pdf (Unclassified) was uploaded | 03/24/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 20250637 |  |  | 33523407 |  | Credit | Loan Eligibility | Guideline Issue | Loan Eligibility | Delayed Financing: Subject loan did not close within the required time-frame (vs. previous transaction), per guideline requirements. |  | Cash out is from delayed financing. |  |  |  | Reviewer Comment (2025-03-24): Closing statement provided dated [Redacted]and note date is [Redacted] which is [Redacted]of closing. Exception cleared.<br>Seller Comment (2025-03-21): Per closing statement dated [Redacted] subject property was purchaased within the [Redacted] and meets delayed financing guidelines. Zillow also shows property sold in [Redacted].<br>Seller Comment (2025-03-21): see attached Closing Disclosure<br> Lutsiv Closing Statement.pdf (Closing Disclosure) was uploaded<br>Seller Comment (2025-03-20): Please advise on what is being required? | 03/24/2025 |  |  | 1 C A |  | NY | Investment | Refinance - Rate/Term | C B A |  | N/A | No |
|  | 20250693 |  |  | 33523409 |  | Credit | Loan Package Documentation | Application / Processing | Loan Package Documentation | Missing Document: Bylaws not provided |  | The Bylaws document for the borrowing entity is not located in the file. |  |  |  | Reviewer Comment (2025-03-28): Per client:guides are intended to read that Operating Agreement or Bylaws based on state requirements, not necessarily both.<br>Reviewer Comment (2025-03-27): Bylaws are required for corporations. This business entity is not LLC. Exception Remains.<br>Seller Comment (2025-03-26): Bylaws are required for Corporations, this is an LLC and not required.<br>Reviewer Comment (2025-03-21): Operating agreement cannot be used in lieu of bylaws. Require Bylaws document for the borrowing entity. Exception remains.<br>Seller Comment (2025-03-20): see attached<br> Patel Operating Agreement serves equivalent to Bylaws.pdf (Unclassified) was uploaded | 03/28/2025 |  |  | 1 C A |  | GA | Investment | Purchase | C A |  | N/A | No |
|  | 20250677 |  |  | 33523430 |  | Credit | Hazard Insurance | Insufficient Coverage | Hazard Insurance | The Hazard Insurance Policy Effective Date is after closing. | Hazard Insurance Policy Effective Date ___, Disbursement Date: ___ | Hazard Insurance Policy Effective Date [Redacted], Disbursement Date: [Redacted] |  |  |  | Reviewer Comment (2025-03-18): Hazard Insurance Policy Effective Date is within the disbursement date. Exception cleared.<br>Seller Comment (2025-03-18): Good Morning, The policy has the Effective date = the Disbursement Date on the CD. The borrowers dont own the property until the loan funds and records and therefore are not "legal" owners until the Disbursement Date. The current Insurance policy should be sufficient. Thank you | 03/18/2025 |  |  | 1 C A |  | TX | Investment | Purchase | C A | N/A | N/A | No |

---

## Exhibit 99.4

[GCAT DEPOSITOR VI LLC ABS-15G](gcatnqm-abs15g.htm)

**Exhibit 99.4**

**Valuation Report**

---

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| **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** | **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 REVIEW VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL VALUES** | **DESKTOP APPRAISAL 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** | **FIELD REVIEW VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **2055 VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **AVE/CMA VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **HYBRID VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** | **UPDATED MULTIPROPERTY VALUES** |  |  |  |
| **SitusAMC Loan ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Value for LTV** | **LTV Value Variance Amount** | **LTV Value Variance Percent** | **Appraised Value** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraisal Valuation Type** | **Appraisal Company** | **Appraisal FSD Score** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Report Date** | **Second Appraisal Effective Date** | **Second Appraisal Type** | **Second Appraisal Company** | **Second Appraisal FSD Score** | **Second Appraisal Desk Review Score** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Confidence<br> Score** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Risk Score** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraised Value** | **Variance Amount** | **Variance Percent** | **Company** | **Appraisal Report Date** | **Appraisal Effective Date** | **Aggregate Appraised Value** | **Aggregate Variance Amount** | **Aggregate Variance Percent** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **LCA Risk Score** | **Collateral Underwriter Risk Score** |
|  | 20250502 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
|  | 20250718 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20250719 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250720 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20250721 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250722 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | 20250723 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
|  | 20250724 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250725 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20250726 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20250727 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
|  | 20250728 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250729 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
|  | 20250730 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
|  | 20250731 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20250732 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 8.511% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | 20250733 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
|  | 20250734 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
|  | 20250735 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
|  | 20250736 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20250737 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -2.597% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20250738 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | 20250739 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
|  | 20250740 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250741 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | 20250742 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 21.429% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
|  | 20250743 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 20250744 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
|  | 20250745 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250746 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 20250747 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.40 |
|  | 20250748 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250749 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | 20250750 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250751 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250752 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
|  | 20250753 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
|  | 20250754 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250755 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.80 |
|  | 20250756 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | 20250757 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250758 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20250759 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250760 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
|  | 20250761 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250762 |  |  |  |  |  |  |  | 13.377% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
|  | 20250763 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | 20250764 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
|  | 20250765 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.065% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20250766 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250767 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20250768 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
|  | 20250769 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 20250770 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 20250771 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | 20250772 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250773 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 20250774 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
|  | 20250775 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
|  | 20250776 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20250777 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 64.466% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 64.466% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.40 |
|  | 20250778 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -6.250% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20250779 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20250780 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20250781 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250782 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250783 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
|  | 20250784 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20250785 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 20250786 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -9.259% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20250787 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20250788 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
|  | 20250789 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
|  | 20250790 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
|  | 20250791 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
|  | 20250792 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
|  | 20250793 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 20250794 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
|  | 20250795 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250796 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
|  | 20250797 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250798 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 20250799 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
|  | 20250800 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
|  | 20250801 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250802 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250803 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20250804 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 20250805 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20250806 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250807 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20250808 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20250809 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20250810 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
|  | 20250815 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 20250816 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250818 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250820 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 26.506% |  |  | Appraisal |  |  | Moderate |  |  |  |  |  |  |  |  | 0.000% |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 20250821 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | 20250823 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250826 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250827 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250828 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250831 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 40.816% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.50 |
|  | 20250832 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250833 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250835 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20250836 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250838 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250839 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20250840 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
|  | 20250842 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
|  | 20250843 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250845 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250956 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250957 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
|  | 20250959 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
|  | 20250960 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250961 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250962 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
|  | 20250964 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250965 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
|  | 20250967 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20250969 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250970 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250971 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 20250995 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 20250997 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | 20250998 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.40 |
|  | 20251000 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | 20251003 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
|  | 20251004 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251005 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251006 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | 20251007 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251008 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251009 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
|  | 20251010 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
|  | 20251011 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251012 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251014 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
|  | 20251015 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 1.075% |  |  | Appraisal |  |  | Low |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 20251016 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 20251017 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251018 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 20251020 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
|  | 20251021 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
|  | 20251022 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | 20251023 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251024 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
|  | 20251025 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251027 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
|  | 20251028 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251029 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251030 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251031 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 20251032 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
|  | 20251033 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251035 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.70 |
|  | 20251036 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.60 |
|  | 20251037 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | 20251039 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 20251040 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251041 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 20251043 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
|  | 20251045 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
|  | 20251047 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20251048 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.30 |
|  | 20251049 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20251051 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | 20251054 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
|  | 20251055 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
|  | 20251057 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 20251059 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
|  | 20251063 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.80 |
|  | 20251064 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
|  | 20251066 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
|  | 20251067 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
|  | 20251068 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
|  | 20251069 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
|  | 20251070 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
|  | 20251071 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
|  | 20251072 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
|  | 20251073 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
|  | 20251074 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
|  | 20251075 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 20251076 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
|  | 20251077 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 20251078 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251079 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251081 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
|  | 20251082 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | 20251083 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251084 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251086 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 1.250% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
|  | 20251088 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20251089 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
|  | 20251090 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
|  | 20251091 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251092 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 1.481% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.80 |
|  | 20251093 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 20251094 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | 20251095 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
|  | 20251098 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251100 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251102 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
|  | 20251104 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 20251105 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
|  | 20251225 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
|  | 20251229 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251233 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251235 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251238 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20251241 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251244 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
|  | 20251249 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 20251252 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 20251256 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251258 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20251262 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20251269 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
|  | 20251270 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251273 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20251274 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251275 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251277 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20251282 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20251283 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20251285 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20251294 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251296 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20251297 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251298 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251300 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | 20251304 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251307 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
|  | 20251308 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | 20251310 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251316 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | 20251321 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251324 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | 20251325 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251327 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251328 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
|  | 20251330 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -5.505% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20251331 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
|  | 20251333 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251335 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
|  | 20251336 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251337 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | 20251338 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | 20251340 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251342 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 20251343 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | 20251344 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
|  | 20251345 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
|  | 20251348 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | 20251349 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.50 |
|  | 20251350 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20251352 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251353 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 20251355 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
|  | 20251356 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
|  | 20251358 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251360 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251361 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.30 |
|  | 20251362 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251364 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20251365 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251367 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 20251368 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20251369 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
|  | 20251370 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
|  | 20251372 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251373 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251374 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251376 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
|  | 20251378 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
|  | 20251379 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20251380 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
|  | 20251381 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | 20251382 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 20251383 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
|  | 20251384 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
|  | 20251386 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -5.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
|  | 20251387 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
|  | 20251388 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251389 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251390 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 20251392 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251393 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
|  | 20251394 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
|  | 20251396 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20251398 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 20251399 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
|  | 20251400 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251401 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251402 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
|  | 20251403 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251404 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20251405 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
|  | 20251406 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | 20251407 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
|  | 20251408 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251410 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
|  | 20251411 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
|  | 20251412 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
|  | 20251413 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
|  | 20251414 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251415 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | 20251417 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
|  | 20251419 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
|  | 20251420 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 20251421 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251422 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
|  | 20251423 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251424 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
|  | 20251425 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251426 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | 20251427 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
|  | 20251428 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251429 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251430 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
|  | 20251431 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | 20251432 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20251433 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -7.895% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.20 |
|  | 20251434 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
|  | 20251435 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 20251436 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.80 |
|  | 20251437 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
|  | 20251438 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 20251439 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 20250501 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 |
|  | 20250829 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
|  | 20250812 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 20250811 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.60 |
|  | 20250830 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250825 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250819 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250834 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 20250958 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250822 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.226% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
|  | 20250996 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250999 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250814 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250841 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
|  | 20250503 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
|  | 20250981 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
|  | 20250989 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250974 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
|  | 20250982 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250978 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 7.507% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
|  | 20250979 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -2.600% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
|  | 20250985 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.40 |
|  | 20250972 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250976 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
|  | 20250987 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 20250990 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.20 |
|  | 20250980 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
|  | 20250984 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250993 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
|  | 20250975 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | 20250983 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
|  | 20250973 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
|  | 20250986 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250991 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -5.063% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.20 |
|  | 20250988 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | 20250977 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250994 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.40 |
|  | 20250992 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251046 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
|  | 20250575 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 20250578 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | 20250573 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20250588 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250591 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
|  | 20250592 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20250600 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250605 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20250606 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20250608 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -1.282% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20250622 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -6.061% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | 20250623 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | 20250642 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 4.90 |
|  | 20250645 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | 20250646 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -2.970% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | 20250649 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.00 |
|  | 20250654 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
|  | 20250668 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 20250671 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20250674 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20250675 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | 20250676 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | 20250702 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250706 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | 20250572 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250504 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250576 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20250577 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250580 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
|  | 20250582 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250583 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
|  | 20250584 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250585 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20250586 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20250589 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20250590 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250594 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250595 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20250598 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250599 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20250601 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 20250603 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250604 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
|  | 20250607 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250609 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.741% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20250612 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250618 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 20250621 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
|  | 20250624 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 20250632 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 2.00 |
|  | 20250643 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 20250644 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 1.00 |
|  | 20250647 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250660 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250680 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 12.329% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  | 0.000% |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20250681 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250688 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
|  | 20250691 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.00 |
|  | 20250700 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.00 | 1.00 |
|  | 20250844 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
|  | 20250846 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.00 |
|  | 20251001 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
|  | 20251013 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
|  | 20250968 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  | 3.60 |
|  | 20250837 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
|  | 20251038 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.50 |
|  | 20251044 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250817 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251103 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 20250963 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251052 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251087 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 20251042 |  |  |  |  |  |  |  | 17.891% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
|  | 20250813 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | 20251058 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251096 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
|  | 20251053 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251080 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251019 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250824 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
|  | 20251085 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 20251060 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | 20251026 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251065 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 20251097 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251061 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | 20251002 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 999.00 |
|  | 20250574 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20250597 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20250626 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.00 | 1.50 |
|  | 20251254 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 20251101 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251056 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
|  | 20251050 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
|  | 20251099 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | 20250966 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251062 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
|  | 20251034 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 20251251 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251280 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251242 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251286 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251291 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250596 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250634 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.00 | 1.60 |
|  | 20250650 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
|  | 20250708 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250682 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -6.024% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
|  | 20250593 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
|  | 20250710 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.50 | 1.00 |
|  | 20250689 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20250683 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250610 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250652 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20250685 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20250611 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250579 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251288 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20251247 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251311 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | 20251267 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -8.065% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 5.00 |
|  | 20251266 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | 20251253 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251268 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
|  | 20251302 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.50 |
|  | 20251303 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251295 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251318 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251236 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251322 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
|  | 20251284 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251260 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251279 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
|  | 20251329 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
|  | 20251248 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20251281 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251312 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.30 |
|  | 20251276 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251314 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.30 |
|  | 20251257 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251339 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20251234 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251289 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20251309 |  |  |  |  |  |  |  | 13.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.90 |
|  | 20251226 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
|  | 20251227 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
|  | 20251320 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.10 |
|  | 20251301 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.00 |
|  | 20251341 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20251263 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
|  | 20251287 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20251278 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251313 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
|  | 20251250 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251290 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251359 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20251259 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251243 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 20251357 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 20251230 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251326 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251245 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
|  | 20251371 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251354 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251317 |  |  |  |  |  |  |  | 12.150% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Field Review |  |  |  |  |  |  |  |  |  |  |  | -26.262% |  | High |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.70 |
|  | 20251246 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.50 |
|  | 20251375 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251232 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251306 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 5.263% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
|  | 20251391 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251271 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.70 |
|  | 20251397 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -6.667% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251346 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.70 |
|  | 20251299 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251255 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.30 |
|  | 20251377 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | 20251366 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
|  | 20251272 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251265 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.80 |
|  | 20251237 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 20251315 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.40 |
|  | 20251319 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.256% |  |  | Appraisal |  |  | Low |  |  |  |  |  |  |  |  | 0.000% |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.60 |
|  | 20251292 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251347 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.20 |
|  | 20251395 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.80 |
|  | 20251334 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.90 |
|  | 20251416 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
|  | 20251409 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.60 |
|  | 20251261 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.90 |
|  | 20251264 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.00 |
|  | 20251385 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.10 |
|  | 20251239 |  |  |  |  |  |  |  | 2.306% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.20 |
|  | 20251351 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20251293 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 2.10 |
|  | 20251323 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20251332 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 4.60 |
|  | 20251363 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20251231 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251305 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | -9.717% |  |  | AVM |  | 0.11 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | -9.717% |  |  |  |  |  |  | N/A |  | 2.70 |
|  | 20251418 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Moderate |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 3.10 |
|  | 20251228 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20251240 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20250602 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |
|  | 20250637 |  |  |  |  |  |  |  | 7.425% |  |  |  | Appraisal |  |  |  |  | 7.425% |  |  | Desk Review |  |  | Low |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |
|  | 20250693 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 1.50 | 1.00 |
|  | 20250581 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  | 0.000% |  |  | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  |  |
|  | 20250677 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 2.50 | 3.90 |
|  | 20250587 |  |  |  |  |  |  |  | 0.000% |  |  |  | Appraisal |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | N/A |  | 1.00 |

---

## Exhibit 99.5

[GCAT DEPOSITOR VI LLC ABS-15G](gcatnqm-abs15g.htm)

**Exhibit 99.5**

**Supplemental Data**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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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 | 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 |
| **SitusAMC Loan ID** | **Loan ID** | **Seller Loan ID** | **Investor Loan Number** | **TILA Status Loan Designation** | **Exempt QM/ATR Equivalency** | **CDFI Bank Originated Loan** | **Application Date** | **TRID Tested** | **GSE** | **HOEPA Fees** | **TILA Fees** | **Rate Lock Date** | **Calculated APR** | **Original P&I** | **Qualifying P&I** | **Qualifying Rate** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower2 Length of Employment** | **Co Borrower3 Length of Employment** | **Borrower Foreign National Indicator** | **Co Borrower Foreign National Indicator** | **Co Borrower 2 Foreign National Indicator** | **Co Borrower 3 Foreign National Indicator** | **Borrower Country Name** | **Co Borrower2 Country Name** | **Co Borrower3 Country Name** | **Residual Income** | **Num Units** | **Annual Property Tax** | **Annual Insurance Costs** | **Monthly Property Tax** | **Monthly Insurance Costs** | **HOA Name** | **HOA Address State** | **Fee Amount** | **Next Due Date** | **HOA Payment Frequency** | **Investor DTI** | **QM DTI** | **Non QM DTI** | **Original Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Most Recent Updated Co Borrower 2 FICO** | **Most Recent Updated Co Borrower 3 FICO** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Income Doc Detail** | **Tax Return Doc Details** | **Document Level** | **Document Type** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy (7, 11)** | **Months Bankruptcy (13)** | **Most Recent Deed-in - Lieu Date** | **Number of Deed-in-Lieu Events** | **Months Deed-in-Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Guideline Name** | **UW Guideline Author** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **HUD 1 Page 1 Credits Total** | **Collateral Underwriter Risk Score** | **AUS Decision System** | **Property Inspection Waiver (PIW)** | **Rating Result** | **Eligible For Rep and Warrant Relief Per Collateral Advisor** | **Is Equity Shared Loan** | **Investor Qualifying Rate** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Profit and Loss Statements** | **Expense Letter** | **DSCR** | **Inverse DSCR** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Duration of Payout Months** | **Seller VSH Indicator** | **Seller Indicated VSH Guideline** | **Validated VSH** | **IO Remaining Amortization Term at Recast** | **Maturity Date** | **Borrower Own Funds Cash Amount** | **Borrower Own Funds Percent** | **Is the Note an eNote** | **Borrower WVOE - # of Months of Income provided** | **Co Borrower WVOE - # of Months of Income provided** | **Co Borrower2 WVOE - # of Months of Income provided** | **Co Borrower3 WVOE - # of Months of Income provided** | **Were the origination guidelines utilized for this diligence review?** | **Title Evidence** | **Ownership Type** | **Borrower Type** | **Borrower Designation** | **Co Borrower Type** | **Co Borrower Designation** | **Co Borrower2 Type** | **Co Borrower2 Designation** | **Co Borrower3 Type** | **Co Borrower3 Designation** | **Senior Lien Position** | **Senior Lien Original Loan Amount** | **Senior Lien Original Interest Rate** | **Senior Lien Note Projected Closing Date** | **Senior Lien Current Balance** | **Senior Lien Current P&I** | **Loan Closed in the Name of an Entity** | **Note Executed by** | **Assumable Mortgage Flag** | **Leasehold Flag** | **Buydown Flag** | **Borrower Experian FICO Model Used** | **Borrower Equifax FICO Model Used** | **Borrower TransUnion FICO Model Used** | **Co Borrower Experian FICO Model Used** | **Co Borrower Equifax FICO Model Used** | **Co Borrower TransUnion FICO Model Used** | **Co Borrower2 Experian FICO Model Used** | **Co Borrower2 Equifax FICO Model Used** | **Co Borrower2 TransUnion FICO Model Used** | **Co Borrower3 Experian FICO Model Used** | **Co Borrower3 Equifax FICO Model Used** | **Co Borrower3 TransUnion FICO Model Used** | **Borrower Documentation Used to Determine Legal Residency** | **Co Borrower Documentation Used to Determine Legal Residency** | **Co Borrower2 Documentation Used to Determine Legal Residency** | **Co Borrower3 Documentation Used to Determine Legal Residency** | **Delayed Financing?** | **Months Reserves** | **Correspondent Type** | **Departure Residence** | **Rate Increase on Default** | **MERS Min Number** | **Co Borrower Other Income** | **Co Borrower Wage Income** | **Primary Housing Lates 0 6 Months 30** | **Primary Housing Lates 0 6 Months 60** | **Primary Housing Lates 0 6 Months 90** | **Primary Housing Lates 7 12 Months 30** | **Primary Housing Lates 7 12 Months 60** | **Primary Housing Lates 7 12 Months 90** | **Primary Housing Lates 13 24 Months 30** | **Primary Housing Lates 13 24 Months 60** | **Primary Housing Lates 13 24 Months 90** | **Primary Housing Lates 25 36 Months 30** | **Primary Housing Lates 25 36 Months 60** | **Primary Housing Lates 25 36 Months 90** | **Borrower 1 ITIN Flag** | **Borrower 2 ITIN Flag** | **Borrower 3 ITIN Flag** | **Borrower 4 ITIN Flag** |
|  | 20250502 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1414.81 | $1414.81 | 7.125% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $2902.44 | $0.00 | $241.87 | $0.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/18/2024 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.6 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.85 |  |  |  |  |  |  |  | 11/01/2054 | $94628.16 | 34.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 6.74 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 20250733 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $16793.50 | $20899.64 |  | 7.435% | $7162.85 | $7162.85 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $15803.02 | 1 | $10748.64 | $1418.04 | $895.72 | $118.17 |  |  |  |  |  | 36.976% | 36.976% | 36.976% | 09/25/2024 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Business Return Transcripts - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2024<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2024<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2024 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ArcHome | $16793.50 |  | 6.780% | $0.00 | 3.2 |  |  |  | N/A | No | 7.250% | 2 |  | 2 | 0 | 2 | 2 |  |  | 10.00 | No |  |  |  |  | Other | Not Stated |  |  |  | 01/01/2055 | $551571.67 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 78.33 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250732 |  |  | Non QM |  |  |  | Yes | No | $55909.70 | $58190.48 |  | 7.181% | $15341.67 | $17497.46 | 7.000% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $19551.41 | 1 | $17749.68 | $4761.96 | $1479.14 | $396.83 |  |  |  |  |  | 49.932% | 44.412% | 49.932% | 11/06/2024 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2023<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ArcHome | $55909.70 |  | 6.760% | $0.00 | 1.4 |  |  |  | N/A | No | 7.000% | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 360 | 01/01/2065 | $209787.87 |  | No | 15 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 12.06 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250743 |  |  | N/A |  |  |  | No | No | $9184.86 |  |  | 6.988% | $2183.31 | $2183.31 | 6.990% | No | No | Employed | Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  |  |  |  | $10881.32 | 1 | $10749.24 | $2070.12 | $895.77 | $172.51 |  |  |  |  |  | 49.933% | 49.933% | 49.933% | 09/16/2024 | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2024<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ArcHome | $9184.86 |  | 6.760% | $45000.00 | 1.2 |  |  |  | N/A | No | 6.990% | 1 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | 01/01/2055 | $929685.23 | 100.000% | No |  | 25 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  | VISA | VISA |  |  |  | 156.9 |  | No | No | [Redacted] | $0.00 | $2004.89 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250746 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10925.75 | $6828.89 |  | 6.979% | $2791.95 | $2791.95 | 6.875% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $36429.27 | 1 | $15080.04 | $1056.00 | $1256.67 | $88.00 |  |  |  |  |  | 16.957% | 16.957% | 16.957% |  | 817 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [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<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $10925.75 |  | 6.690% | $3000.00 | 2.6 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 02/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 45.83 |  | Yes | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250734 |  |  | Non QM |  |  |  | Yes | No | $23735.40 | $28690.03 |  | 7.807% | $5908.36 | $5908.36 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $22969.63 | 1 | $20240.16 | $3918.72 | $1686.68 | $326.56 |  |  |  |  |  | 44.167% | 44.167% | 44.167% | 11/18/2024 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 4506-C - 2025<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $23735.40 |  | 6.630% | $0.00 | 1.7 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 02/01/2055 | $101026.18 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 17.34 |  | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250753 |  |  | N/A |  |  |  | No | No |  |  |  |  | $4106.10 | $4106.10 | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $16008.48 | $13641.00 | $1334.04 | $1136.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/09/2024 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 3.5 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.23 | 0.81 |  |  |  |  |  |  |  | 02/01/2055 | $526135.20 | 51.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.93 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 20250736 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2667.73 | $2667.73 | 7.375% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 2 | $10690.68 | $1938.96 | $890.89 | $161.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/21/2024 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.89 |  |  |  |  |  |  |  | 02/01/2055 | $256936.98 | 45.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 12.63 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250759 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2640.00 | $2640.00 | 8.000% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $8604.24 | $1660.20 | $717.02 | $138.35 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/12/2024 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 240 | 02/01/2055 | $581967.13 | 78.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 60.56 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250735 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6965.63 | $10190.99 |  | 7.675% | $2103.11 | $2103.11 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $3538.88 | 1 | $4348.44 | $4277.64 | $362.37 | $356.47 |  |  |  |  |  | 44.582% | 44.582% | 44.582% | 11/21/2024 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $6965.63 |  | 6.760% | $0.00 | 4 |  |  |  | N/A | No | 7.375% | 0 |  | 1 | 0 | 3 | 1 |  |  | 10.57 | No |  |  |  |  |  | Not Stated |  |  |  | 02/01/2055 |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 55.04 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250750 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $9088.75 | $13912.68 |  | 7.745% | $3539.77 | $3539.77 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $129146.47 | 1 | $7048.20 | $0.00 | $587.35 | $0.00 |  |  |  |  |  | 24.127% | 24.127% | 24.127% | 10/17/2024 | 687 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $9088.75 |  | 6.690% | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 02/01/2055 | $33750.00 | 5.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.68 |  | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250728 |  |  | N/A |  |  |  | No | No |  |  |  |  | $3398.05 | $3398.05 | 6.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $10258.80 | $1835.04 | $854.90 | $152.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/21/2024 | 814 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.38 | 0.72 |  |  |  |  |  |  |  | 02/01/2040 | $656177.10 | 85.000% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 57.8 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250718 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2346.36 | $2346.36 | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 4 | $19560.00 | $4013.76 | $1630.00 | $334.48 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 08/19/2024 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.81 | 0.55 |  |  |  |  |  |  |  | 01/01/2055 | $118075.19 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 22.73 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250740 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1279.08 | $1279.08 | 7.250% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $1723.44 | $1236.72 | $143.62 | $103.06 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/16/2024 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.82 |  |  |  |  |  |  |  | 02/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 17.3 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250747 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2072.22 | $2072.22 | 8.500% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  | 1 | $2551.68 | $4299.60 | $212.64 | $358.30 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/19/2024 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 4.4 |  |  |  | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.83 | 1.2 |  |  |  |  |  |  |  | 02/01/2055 | $346450.22 | 90.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 80.22 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250720 |  |  | N/A |  |  |  | No | No |  |  |  |  | $6519.96 | $6519.96 | 7.000% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 3 | $4439.64 | $4731.96 | $369.97 | $394.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/31/2024 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.27 | 0.79 |  |  |  |  |  |  |  | 02/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 54.56 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250763 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2568.45 | $2568.45 | 6.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $9171.96 | $1023.00 | $764.33 | $85.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/26/2024 | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.3 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.85 |  |  |  |  |  |  |  | 02/01/2055 | $234550.98 | 36.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 7.96 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250752 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2594.68 | $2594.68 | 7.000% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $5487.00 | $1165.92 | $457.25 | $97.16 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/06/2024 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 2.8 |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 02/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 43.36 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250731 |  |  | N/A |  |  |  | No | No |  |  |  |  | $5423.43 | $5423.43 | 7.125% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 2 | $2770.08 | $3264.00 | $230.84 | $272.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/11/2024 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | 02/01/2055 | $405351.06 | 35.000% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 18.42 |  |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250764 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $17676.44 | $21106.53 |  | 7.231% | $5364.00 | $5364.00 | 7.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $23325.35 | 1 | $8015.16 | $1914.60 | $667.93 | $159.55 |  |  |  |  |  | 44.005% | 44.005% | 44.005% | 12/11/2024 | 812 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $17676.44 |  | 6.630% | $0.00 | 5 |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 02/01/2055 | $630667.33 | 59.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 52.14 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250739 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $16350.00 | $19149.40 |  | 7.890% | $4728.06 | $4728.06 | 7.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $21855.86 | 1 | $15140.40 | $1478.04 | $1261.70 | $123.17 |  |  |  |  |  | 22.237% | 22.237% | 22.237% | 11/07/2024 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| 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 - \| 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 - \| 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 - \| 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 - \| 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 - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $16350.00 |  | 6.630% | $0.00 | 3.7 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 02/01/2055 | $249508.73 | 30.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.93 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250770 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2466.02 | $2466.02 | 7.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $5148.24 | $1599.96 | $429.02 | $133.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/25/2024 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.92 |  |  |  |  |  |  | 240 | 02/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 127.34 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250757 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2529.18 | $2529.18 | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $6609.84 | $1289.04 | $550.82 | $107.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/25/2024 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | 02/01/2055 | $192459.12 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 176.16 |  |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250745 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $9132.00 | $11850.90 |  | 7.690% | $2417.36 | $2417.36 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $8930.90 | 1 | $6620.28 | $497.04 | $551.69 | $41.42 |  |  |  |  |  | 36.634% | 36.634% | 36.634% | 12/04/2024 | 694 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 85.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $9132.00 |  | 6.630% | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  | No |  |  |  | 02/01/2055 | $178710.90 | 36.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.1 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250749 |  |  | Non QM |  |  |  | Yes | No | $14149.38 | $14525.29 |  | 7.766% | $3539.25 | $3539.25 | 7.500% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $11706.92 | 1 | $12324.00 | $4215.00 | $1027.00 | $351.25 |  |  |  |  |  | 33.794% | 33.794% | 33.794% | 12/05/2024 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 38.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| 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 - \| 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 - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $14149.38 |  | 6.760% | $7000.00 | 1.4 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 02/01/2055 | $1284944.74 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 224.69 |  | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250768 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $30295.00 | $39012.05 |  | 7.426% | $13097.78 | $13097.78 | 7.250% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  | $129507.64 | 1 | $30000.00 | $3803.28 | $2500.00 | $316.94 |  |  |  |  |  | 11.769% | 11.769% | 11.769% | 12/24/2024 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $30295.00 |  | 6.770% | $0.00 | 2.2 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 02/01/2055 | $342405.87 | 14.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 53.63 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250772 |  |  | Non QM |  |  |  | Yes | No | $9985.49 | $4763.09 |  | 7.728% | $2575.87 | $2575.87 | 7.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $8230.62 | 1 | $5250.96 | $1331.04 | $437.58 | $110.92 |  |  |  |  |  | 37.448% | 37.448% | 37.448% | 12/04/2024 | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Personal - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2022<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - 2022 | [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 | Full Documentation (F) | 2yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $9985.49 |  | 6.890% | $10000.00 | 1 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | 02/01/2055 | $179688.45 | 35.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.72 |  | Yes | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250744 |  |  | Non QM |  |  |  | Yes | No | $24705.00 | $28493.16 |  | 8.338% | $6192.97 | $6192.97 | 8.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $11705.36 | 1 | $8951.64 | $561.96 | $745.97 | $46.83 |  |  |  |  |  | 41.109% | 41.109% | 41.109% | 10/30/2024 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [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 |  |  | Arc | $24705.00 |  | 6.900% | $0.00 | 3.9 |  |  |  | N/A | No | 8.000% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 02/01/2055 |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 39.06 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250775 |  |  | Non QM |  |  |  | Yes | No | $25858.80 | $15175.87 |  | 10.050% | $4639.43 | $4639.43 | 9.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $30521.87 | 1 | $12447.00 | $2518.80 | $1037.25 | $209.90 |  |  |  |  |  | 22.709% | 22.709% | 22.709% | 01/03/2025 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $25858.80 |  | 6.890% | $0.00 | 4.1 |  |  |  | N/A | No | 9.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 02/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.64 |  | Yes | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250741 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $22026.25 | $7103.74 |  | 8.179% | $6960.91 | $6960.91 | 8.125% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $38234.65 | 1 | $28353.24 | $6650.04 | $2362.77 | $554.17 |  |  |  |  |  | 28.367% | 28.367% | 28.367% |  | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% | 100.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $22026.25 |  | 6.890% | $0.00 | 2.5 |  |  |  | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | No |  |  |  | 02/01/2055 | $1529879.59 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 107.74 |  |  | No | [Redacted] | $6576.65 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250766 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6699.16 | $10180.49 |  | 7.036% | $3652.52 | $3652.52 | 6.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $23367.23 | 1 | $4352.28 | $606.00 | $362.69 | $50.50 |  |  |  |  |  | 43.497% | 43.497% | 43.497% | 12/23/2024 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ArcHome | $6699.16 |  | 6.890% | $972.75 | 1 |  |  |  | N/A | No | 6.875% | 1 |  | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | 02/01/2055 | $1151709.92 | 83.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 59.32 |  | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250758 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2072.03 | $2072.03 | 7.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 2 | $7112.52 | $1680.96 | $592.71 | $140.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/14/2024 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | 02/01/2055 | $164334.86 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 178.42 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250729 |  |  | N/A |  |  |  | No | No |  |  |  |  | $3941.57 | $3941.57 | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $8175.00 | $1622.04 | $681.25 | $135.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/21/2024 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 3.9 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.94 |  |  |  |  |  |  |  | 02/01/2055 | $329881.30 | 38.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.94 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250737 |  |  | N/A |  |  |  | No | No |  |  |  |  | $3549.22 | $3549.22 | 7.375% | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  | 2 | $12396.12 | $1878.00 | $1033.01 | $156.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/22/2024 | 815 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  | 240 | 02/01/2055 | $70129.98 | 9.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | 18.53 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250742 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $53995.00 | $9125.80 |  | 7.385% | $20720.25 | $20720.25 | 7.375% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $213015.69 | 1 | $60061.92 | $7533.96 | $5005.16 | $627.83 |  |  |  |  |  | 15.283% | 15.283% | 15.283% |  | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 51.000% | 49.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2024<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; CPA Letter - 2024<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Other - 2024<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Other - 2024<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Other - 2024<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Other - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $53995.00 |  | 6.760% | $0.00 | 999 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | No |  |  |  | 02/01/2055 | $7361790.73 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 279.35 |  | No | No | [Redacted] | $123208.08 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250756 |  |  | N/A |  |  |  | No | No |  |  |  |  | $3301.43 | $3301.43 | 7.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $8083.92 | $1948.80 | $673.66 | $162.40 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/19/2024 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.4 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.99 |  |  |  |  |  |  |  | 02/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 115.68 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250721 |  |  | N/A |  |  |  | No | No |  |  |  |  | $832.66 | $832.66 | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $2336.40 | $798.00 | $194.70 | $66.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/15/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.55 | 0.64 |  |  |  |  |  |  |  | 02/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 108.59 |  |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250722 |  |  | N/A |  |  |  | No | No |  |  |  |  | $837.58 | $837.58 | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $2565.36 | $699.96 | $213.78 | $58.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/15/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.4 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.62 | 0.62 |  |  |  |  |  |  |  | 02/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 106.81 |  |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250723 |  |  | N/A |  |  |  | No | No |  |  |  |  | $821.16 | $821.16 | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $2319.84 | $641.04 | $193.32 | $53.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/15/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 2.2 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.73 | 0.58 |  |  |  |  |  |  |  | 02/01/2055 | $118783.60 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 68.14 |  |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250751 |  |  | N/A |  |  |  | No | No |  |  |  |  | $5937.50 | $5937.50 | 7.125% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $21562.56 | $2909.64 | $1796.88 | $242.47 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/05/2024 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  | 240 | 02/01/2055 | $1339406.82 | 79.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 74.89 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250738 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $12535.00 | $15401.00 |  | 7.771% | $3859.66 | $3859.66 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $28461.19 | 1 | $5240.76 | $1965.00 | $436.73 | $163.75 |  |  |  |  |  | 22.031% | 22.031% | 22.031% | 11/13/2024 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| 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 - \| 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 - \| 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 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $12535.00 |  | 6.980% | $0.00 | 1.5 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | No |  |  |  | 02/01/2055 |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.71 |  | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250724 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1861.48 | $1861.48 | 6.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $5879.76 | $794.04 | $489.98 | $66.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/15/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.24 | 0.81 |  |  |  |  |  |  |  | 02/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 112.04 |  |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250719 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1657.17 | $1657.17 | 6.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $3980.04 | $894.96 | $331.67 | $74.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/15/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.36 | 0.74 |  |  |  |  |  |  |  | 02/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 118.78 |  |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250754 |  |  | N/A |  |  |  | No | No |  |  |  |  | $3253.33 | $3253.33 | 7.000% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $6587.52 | $1011.12 | $548.96 | $84.26 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/09/2024 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | 02/01/2055 | $39432.89 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 16.63 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250748 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $13502.32 | $7084.26 |  | 8.084% | $5253.75 | $5253.75 | 8.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $11685.23 | 1 | $11187.48 | $1074.60 | $932.29 | $89.55 |  |  |  |  |  | 48.363% | 48.363% | 48.363% | 11/24/2024 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 90.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 90.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $13502.32 |  | 6.900% | $0.00 | 1 |  |  |  | N/A | No | 8.000% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 02/01/2055 | $94744.84 | 11.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.81 |  | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250773 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7315.80 | $10802.84 |  | 7.317% | $2126.82 | $2126.82 | 6.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $4749.95 | 1 | $5000.04 | $1331.16 | $416.67 | $110.93 |  |  |  |  |  | 40.673% | 40.673% | 40.673% | 12/03/2024 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| 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 - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| 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 - 2025<br> [Borrower - \| 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 - Personal - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024 | [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 Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $7315.80 |  | 6.890% | $1000.00 | 2.6 |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 02/01/2055 | $144035.93 | 36.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 37.15 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250760 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $25255.00 | $29415.72 |  | 7.098% | $15791.63 | $15791.63 | 6.990% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $35752.69 | 1 | $54000.00 | $2565.12 | $4500.00 | $213.76 |  |  |  |  |  | 40.446% | 40.446% | 40.446% | 12/12/2024 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ArcHome | $25255.00 |  | 6.770% | $500000.00 | 2.3 |  |  |  | N/A | No | 6.990% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 02/01/2055 | $2446283.45 | 57.000% | No | 47 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 35.43 |  | Yes | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250730 |  |  | N/A |  |  |  | No | No |  |  |  |  | $821.16 | $821.16 | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $3898.56 | $1314.96 | $324.88 | $109.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/05/2024 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 2 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.37 | 0.73 |  |  |  |  |  |  |  | 02/01/2055 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 70.87 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 20250767 |  |  | N/A |  |  |  | No | No |  |  |  |  | $3626.48 | $3626.48 | 7.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 3 | $8850.48 | $2286.96 | $737.54 | $190.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/23/2024 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.45 | 0.69 |  |  |  |  |  |  |  | 02/01/2055 | $38647.42 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.79 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 20250726 |  |  | N/A |  |  |  | No | No |  |  |  |  | $4089.41 | $4089.41 | 6.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 2 | $9117.00 | $1425.00 | $759.75 | $118.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/20/2024 | 819 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.9 |  |  |  |  |  |  |  | 02/01/2055 | $128964.03 | 13.000% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 22.93 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 20250776 |  |  | N/A |  |  |  | No | No |  |  |  |  | $4153.33 | $4153.33 | 7.500% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 2 | $6389.88 | $1287.00 | $532.49 | $107.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/19/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | 02/01/2055 | $533741.03 | 54.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 23.57 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250501 |  |  | N/A |  |  |  | No | No | $24024.00 |  |  | 8.230% | $5469.22 | $5469.22 | 8.250% | No | No | Non-Employment Income | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $13027.38 | 1 | $8809.68 | $2871.96 | $734.14 | $239.33 |  |  |  |  |  | 42.131% | 42.131% | 42.131% | 01/02/2025 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | Yes | 36 | Business | 55.000% |  | 50.000% |  | [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2024<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2024<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; CPA Letter - 2024<br> [Coborrower(s) - \| Non-Primary Income - Shared Bank Statements]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  | Arc | $24024.00 |  | 6.900% | $0.00 | 4.6 |  |  |  | N/A | No | 8.250% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  | Other |  |  |  |  | 02/01/2055 | $664579.78 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 101.82 |  | No | No | [Redacted] | $9271.56 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250765 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $25875.00 | $36986.55 |  | 7.747% | $17256.01 | $17256.01 | 7.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $44680.21 | 1 | $38600.04 | $3473.04 | $3216.67 | $289.42 |  |  |  |  |  | 41.044% | 41.044% | 41.044% | 12/23/2024 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $25875.00 |  | 6.770% | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | No |  |  |  | 02/01/2055 | $540472.89 | 18.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 31.07 |  | Yes | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250774 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $15370.00 | $17761.24 |  | 7.135% | $7377.40 | $7377.40 | 6.990% | No | No | Employed | Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | India |  |  | $11965.69 | 1 | $21130.92 | $3429.12 | $1760.91 | $285.76 |  |  |  |  |  | 44.508% | 44.508% | 44.508% |  | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2024<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [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<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<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 |  |  | Arc | $15370.00 |  | 6.890% | $0.00 | 1.8 |  |  |  | N/A | No | 6.990% | 1 | 2 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other | No |  |  |  | 02/01/2055 | $496026.69 |  | No |  | 35 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  | VISA | VISA |  |  | No | 51.95 |  | No | No | [Redacted] | $0.00 | $2024.90 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250725 |  |  | N/A |  |  |  | No | No |  |  |  |  | $5039.61 | $5039.61 | 6.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 2 | $10794.84 | $708.00 | $899.57 | $59.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/02/2024 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 02/01/2055 | $811967.57 | 57.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 18.94 |  |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250769 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1906.25 | $1906.25 | 7.500% | No | No |  |  |  |  |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  |  | 1 | $4658.28 | $690.00 | $388.19 | $57.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/31/2024 | 815 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.2 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  | 240 | 02/01/2055 | $26775.30 | 6.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 12.89 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250727 |  |  | N/A |  |  |  | No | No |  |  |  |  | $3891.59 | $3891.59 | 6.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $14675.04 | $1727.04 | $1222.92 | $143.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/17/2024 | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 2.2 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.88 |  |  |  |  |  |  |  | 02/01/2055 | $682313.22 | 58.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.84 |  |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250771 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1773.66 | $1773.66 | 7.250% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | $9682.32 | $2076.60 | $806.86 | $173.05 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/31/2024 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.4 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.92 |  |  |  |  |  |  |  | 02/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 87.55 |  |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250761 |  |  | N/A |  |  |  | No | No |  |  |  |  | $3004.78 | $3004.78 | 7.125% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | 1 | $8526.60 | $2431.08 | $710.55 | $202.59 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/05/2024 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.33 | 0.75 |  |  |  |  |  |  |  | 02/01/2055 | $13655.44 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 8.03 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250755 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $9420.00 | $10589.16 |  | 7.270% | $4716.03 | $4716.03 | 7.125% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $17255.92 | 1 | $15101.52 | $5238.00 | $1258.46 | $436.50 |  |  |  |  |  | 42.565% | 42.565% | 42.565% | 10/02/2024 | 621 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $9420.00 |  | 6.980% | $0.00 | 3.8 |  |  |  | N/A | No | 7.125% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 02/01/2055 | $21904.23 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 22.48 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250762 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $35311.71 | $26568.70 |  | 7.229% | $15788.59 | $15788.59 | 7.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $606252.01 | 1 | $16915.08 | $4418.04 | $1409.59 | $368.17 |  |  |  |  |  | 2.885% | 2.885% | 2.885% | 12/16/2024 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $35311.71 |  | 6.630% | $0.00 | 1.6 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 02/01/2055 | $1240.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 32.75 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250783 |  |  | N/A |  |  |  | No | No |  |  |  |  | $3103.90 | $3103.90 | 7.250% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | $12682.80 | $4000.32 | $1056.90 | $333.36 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/18/2024 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 2.2 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 12/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 93.6 | Retail |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250795 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2394.56 | $2394.56 | 7.000% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $2580.12 | $656.04 | $215.01 | $54.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/08/2024 | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 01/01/2055 | $360202.51 | 80.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 83.52 | Retail |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250801 |  |  | N/A |  |  |  | No | No |  |  |  |  | $3793.77 | $3793.77 | 7.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $10449.96 | $1202.04 | $870.83 | $100.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/31/2024 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.84 | 1.19 |  |  |  |  |  |  |  | 01/01/2055 | $393920.88 | 47.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.33 | Retail |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250780 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2299.95 | $2299.95 | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | $4932.60 | $1524.00 | $411.05 | $127.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/01/2024 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | 01/01/2055 | $103752.66 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 33.87 | Retail |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250794 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1769.48 | $1769.48 | 7.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $4453.92 | $1623.60 | $371.16 | $135.30 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/03/2024 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 2.1 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.87 | 0.54 |  |  |  |  |  |  |  | 01/01/2055 | $95555.37 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 148.73 | Retail |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250782 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1803.04 | $1803.04 | 8.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $3501.72 | $932.04 | $291.81 | $77.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/21/2024 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | 01/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 102.07 | Retail |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250790 |  |  | N/A |  |  |  | No | No |  |  |  |  | $920.13 | $920.13 | 7.625% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $1884.96 | $792.00 | $157.08 | $66.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/21/2024 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 3.7 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  |  |  |  |  | 02/01/2055 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 76.48 | Retail |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250805 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1479.27 | $1479.27 | 8.000% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  | 2 | $3848.16 | $2811.96 | $320.68 | $234.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/25/2024 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.8 |  |  |  |  |  |  |  | 01/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 87.59 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250789 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1550.35 | $1550.35 | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $6201.96 | $1775.64 | $516.83 | $147.97 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/25/2024 | 811 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.9 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | 01/01/2055 | $89955.56 | 30.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.54 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250803 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2097.64 | $2097.64 | 7.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 3 | $8278.92 | $2150.40 | $689.91 | $179.20 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/19/2024 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.41 | 0.71 |  |  |  |  |  |  |  | 02/01/2055 | $698743.59 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 197.66 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 20250787 |  |  | N/A |  |  |  | No | No |  |  |  |  | $4187.92 | $4187.92 | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | $12328.80 | $4055.04 | $1027.40 | $337.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/19/2024 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.93 |  |  |  |  |  |  |  | 02/01/2055 | $84688.69 | 10.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 39.5 | Retail |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250778 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2259.37 | $2259.37 | 7.000% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 2 | $2418.12 | $2046.96 | $201.51 | $170.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/12/2024 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.27 | 0.79 |  |  |  |  |  |  |  | 01/01/2055 | $6453.37 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 11.01 | Retail |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250796 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1872.25 | $1872.25 | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $2508.00 | $3849.96 | $209.00 | $320.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/08/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.8 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  |  |  |  |  | 02/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 91.59 | Retail |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250779 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2002.96 | $2002.96 | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | $4597.68 | $1464.00 | $383.14 | $122.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/01/2024 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.88 |  |  |  |  |  |  |  | 02/01/2055 | $390809.93 | 72.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 40.96 | Retail |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250786 |  |  | N/A |  |  |  | No | No |  |  |  |  | $3635.92 | $3635.92 | 7.500% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 2 | $10247.88 | $2342.04 | $853.99 | $195.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/07/2024 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.4 | 0.72 |  |  |  |  |  |  |  | 02/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 108.21 | Retail |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 20250784 |  |  | N/A |  |  |  | No | No |  |  |  |  | $4144.05 | $4144.05 | 7.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 2 | $9712.68 | $7007.52 | $809.39 | $583.96 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/01/2024 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.3 | 0.77 |  |  |  |  |  |  |  | 02/01/2055 | $62500.00 | 8.000% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 14.53 | Retail |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250788 |  |  | N/A |  |  |  | No | No | $0.00 |  |  | 8.710% | $1073.85 | $1073.85 | 8.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $3650.24 | 1 | $2579.28 | $1577.04 | $214.94 | $131.42 |  |  |  |  |  | 46.678% | 46.678% | 46.678% | 12/17/2024 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| 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 - \| 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 - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc |  |  | 6.880% | $0.00 | 3.3 |  |  |  | N/A | No | 8.750% | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 02/01/2055 | $7677.71 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 80.83 | Retail | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250781 |  |  | Non QM |  |  |  | Yes | No | $17376.89 | $19454.42 |  | 7.171% | $4099.24 | $4099.24 | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $225278.41 | 1 | $3006.24 | $2844.96 | $250.52 | $237.08 |  |  |  |  |  | 5.741% | 5.741% | 5.741% | 10/28/2024 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $17376.89 |  | 6.780% | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 12/01/2054 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 120.75 | Retail | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250799 |  |  | Non QM |  |  |  | Yes | No | $3291.05 | $4596.62 |  | 7.871% | $2292.52 | $2292.52 | 7.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $13686.35 | 1 | $1159.32 | $1735.44 | $96.61 | $144.62 |  |  |  |  |  | 25.031% | 25.031% | 25.031% | 10/24/2024 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $3291.05 |  | 6.690% | $3389.75 | 1.7 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 01/01/2055 | $109290.58 | 27.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.43 | Retail | Yes | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250785 |  |  | Non QM |  |  |  | Yes | No | $9394.00 | $11117.36 |  | 8.194% | $2610.25 | $2610.25 | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $72385.51 | 1 | $1039.08 | $2102.04 | $86.59 | $175.17 |  |  |  |  |  | 28.649% | 28.649% | 28.649% | 10/30/2024 | 747 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 97.500% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 97.50% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 97.50% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 97.50% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 97.50% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 97.50% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $9394.00 |  | 6.830% | $0.00 | 1.1 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 01/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 119.61 | Retail | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250798 |  |  | Non QM |  |  |  | Yes | No | $7773.00 | $8875.70 |  | 7.669% | $2072.03 | $2072.03 | 7.375% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | Permanent Resident Alien |  |  |  |  |  | $9312.89 | 1 | $8476.92 | $1343.04 | $706.41 | $111.92 |  |  |  |  |  | 25.573% | 25.573% | 25.573% |  | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 70.000% |  | 49.000% |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; VVOE - 2024<br> [Borrower - \| Primary Income - Wages]; WVOE - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<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 |  |  | Arc | $7773.00 |  | 6.690% | $0.00 | 2.6 |  |  |  | N/A | No | 7.375% | 2 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 01/01/2055 |  |  | No | 35 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | Resident Alien Card |  |  | No | 70.97 | Retail |  | No | [Redacted] | $8696.62 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250791 |  |  | Non QM |  |  |  | Yes | No | $3470.60 | $18118.54 |  | 7.139% | $4362.01 | $4362.01 | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $11628.26 | 1 | $13714.56 | $4692.00 | $1142.88 | $391.00 |  |  |  |  |  | 40.000% | 40.000% | 40.000% | 11/20/2024 | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $3470.60 |  | 6.760% | $0.00 | 3.9 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 01/01/2055 | $418504.30 | 50.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 37.57 |  | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250777 |  |  | Non QM |  |  |  | Yes | No | $66013.37 | $60682.43 |  | 7.119% | $16260.05 | $16260.05 | 6.875% | No | No | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $37633.81 | 1 | $17328.00 | $9246.00 | $1444.00 | $770.50 |  |  |  |  |  | 41.485% | 41.485% | 41.485% | 12/20/2024 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021 | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $66013.37 |  | 6.690% | $0.00 | 4.4 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | 01/01/2055 | $5922360.30 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 319.63 | Retail | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250797 |  |  | Non QM |  |  |  | Yes | No | $1750.00 | $3417.92 |  | 7.497% | $1322.64 | $1322.64 | 7.375% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  | $7787.68 | 1 | $3830.04 | $504.00 | $319.17 | $42.00 |  |  |  |  |  | 20.021% | 20.021% | 20.021% | 12/04/2024 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| 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 - \| 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 - \| 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 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $1750.00 |  | 6.690% | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 02/01/2055 | $185929.17 | 49.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 25.22 | Retail |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250792 |  |  | Non QM |  |  |  | Yes | No | $3783.25 | $5821.07 |  | 8.397% | $1366.19 | $1366.19 | 8.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $17144.73 | 1 | $3795.00 | $1725.96 | $316.25 | $143.83 |  |  |  |  |  | 10.143% | 10.143% | 10.143% | 11/14/2024 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - \| 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 - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $3783.25 |  | 6.760% | $0.00 | 3.3 |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 02/01/2055 | $3770.48 | 2.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.96 | Retail |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250793 |  |  | Non QM |  |  |  | Yes | No | $11106.08 | $53.83 |  | 8.215% | $3775.11 | $3775.11 | 8.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $28287.23 | 1 | $1925.28 | $1767.60 | $160.44 | $147.30 |  |  |  |  |  | 21.153% | 21.153% | 21.153% | 11/26/2024 | 648 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2021 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $11106.08 |  | 6.760% | $195100.00 | 1.1 |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 01/01/2055 | $37011.38 | 6.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.55 | Retail |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250800 |  |  | Non QM |  |  |  | Yes | No | $7087.72 | $7269.32 |  | 8.800% | $2140.66 | $2140.66 | 8.500% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $7164.90 | 1 | $1205.16 | $1019.04 | $100.43 | $84.92 |  |  |  |  |  | 36.732% | 36.732% | 36.732% | 12/10/2024 | 684 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $7087.72 |  | 6.690% | $0.00 | 2.3 |  |  |  | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 01/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 63.94 | Retail |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250804 |  |  | Non QM |  |  |  | Yes | No | $6815.00 | $4923.79 |  | 7.184% | $3233.85 | $3233.85 | 7.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $28397.07 | 1 | $15219.72 | $1565.04 | $1268.31 | $130.42 |  |  |  |  |  | 20.859% | 20.859% | 20.859% | 12/12/2024 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| 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 - \| 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 - \| 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 - \| 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 - \| 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 - \| 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 - \| 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 - \| 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 - 2019 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [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 |  |  | Arc | $6815.00 |  | 6.690% | $17000.00 | 1.2 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 02/01/2055 | $5000.00 | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 86.13 | Retail | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250802 |  |  | Non QM |  |  |  | Yes | No | $11435.00 | $14609.63 |  | 7.770% | $3328.26 | $3328.26 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $16916.12 | 1 | $7375.20 | $1709.04 | $614.60 | $142.42 |  |  |  |  |  | 26.498% | 26.498% | 26.498% | 12/09/2024 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $11435.00 |  | 6.690% | $5000.00 | 1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 02/01/2055 | $204523.94 | 34.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.25 | Retail | Yes | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251431 |  |  | N/A |  |  |  | No | No |  |  |  |  | $9289.79 | $9289.79 | 7.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $30313.44 | $6806.40 | $2526.12 | $567.20 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/06/2024 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 2.5 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.85 |  |  |  |  |  |  |  | 03/01/2055 | $229273.28 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 18.26 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250806 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6745.00 | $9407.68 |  | 7.410% | $3581.43 | $3581.43 | 7.250% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $9413.67 | 1 | $9040.92 | $1500.00 | $753.41 | $125.00 |  |  |  |  |  | 47.283% | 47.283% | 47.283% | 12/11/2024 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Employer Letter - 2025<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; CPA Letter - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - IRA Distribution]; Account Statements - 2024 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ArcHome | $6745.00 |  | 6.870% | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | 03/01/2055 | $1299751.74 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 407.04 |  | Yes | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250826 |  |  | Non QM |  |  |  | Yes | No | $36489.96 | $20118.31 |  | 7.671% | $6650.00 | $8571.51 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $15657.33 | 1 | $14705.28 | $3183.96 | $1225.44 | $265.33 |  |  |  |  |  | 45.297% | 38.584% | 45.297% | 02/13/2025 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $36489.96 |  | 6.870% | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | 03/01/2055 | $121756.88 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 12.28 |  | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250962 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1819.03 | $1819.03 | 7.625% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $7907.16 | $1658.04 | $658.93 | $138.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/16/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 3.9 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 03/01/2055 | $18622.73 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 39.26 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250995 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2241.46 | $2241.46 | 7.250% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $5659.32 | $1980.00 | $471.61 | $165.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/31/2024 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.23 | 0.81 |  |  |  |  |  |  | 240 | 03/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 36.21 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 20251024 |  |  | N/A |  |  |  | No | No | $7695.00 |  |  | 7.121% | $1819.04 | $1819.04 | 7.125% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $10363.10 | 1 | $8375.04 | $804.00 | $697.92 | $67.00 |  |  |  |  |  | 46.663% | 46.663% | 46.663% | 01/23/2025 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ArcHome | $7695.00 |  | 6.870% | $0.00 | 2 |  |  |  | N/A | No | 7.125% | 3 |  | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2055 | $504516.37 | 75.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 30.09 |  | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250969 |  |  | Higher Priced QM (APOR) |  |  |  | Yes | No | $14995.00 | $18988.72 |  | 8.433% | $8333.42 | $8333.42 | 8.250% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | Israel |  |  | $16193.84 | 1 | $16312.56 | $1110.96 | $1359.38 | $92.58 |  |  |  |  |  | 37.950% | 37.950% | 37.950% | 02/06/2025 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| 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 - 2025<br> [Borrower - \| 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 - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| 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 - 2025<br> [Borrower - \| 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 - 2025<br> [Borrower - \| 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 - 2025<br> [Borrower - \| 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 - 2024<br> [Borrower - \| 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 - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $14995.00 |  | 6.880% | $0.00 | 1 |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | 03/01/2055 | $208744.51 | 16.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | VISA |  |  |  |  | 14.35 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251006 |  |  | N/A |  |  |  | No | No |  |  |  |  | $4598.50 | $4598.50 | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $12099.24 | $1791.00 | $1008.27 | $149.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/12/2024 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.4 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | 03/01/2055 | $1162061.18 | 67.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.85 |  |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250827 |  |  | N/A |  |  |  | No | No |  |  |  |  | $4325.10 | $4325.10 | 7.990% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $13171.56 | $3743.16 | $1097.63 | $311.93 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/12/2024 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.87 | 1.15 |  |  |  |  |  |  |  | 04/01/2055 | $811131.73 | 91.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 84.22 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251328 |  |  | N/A |  |  |  | No | No |  |  |  |  | $716.15 | $716.15 | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $4852.56 | $1723.68 | $404.38 | $143.64 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/30/2025 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 2.1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  | 240 | 04/01/2055 | $110983.16 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 121.58 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
|  | 20251008 |  |  | Non QM |  |  |  | Yes | No | $8730.20 | $3384.49 |  | 7.383% | $1814.59 | $1814.59 | 7.250% | No | No | Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  | $4009.36 | 1 | $6403.56 | $1217.04 | $533.63 | $101.42 |  |  |  |  |  | 38.318% | 38.318% | 38.318% | 02/03/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $8730.20 |  | 6.880% | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2055 | $6307.01 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 108.26 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251386 |  |  | Non QM |  |  |  | Yes | No | $11470.00 | $11940.93 |  | 6.932% | $4313.18 | $4313.18 | 6.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $6426.39 | 1 | $17499.96 | $1826.04 | $1458.33 | $152.17 |  |  |  |  |  | 48.320% | 48.320% | 48.320% | 01/17/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - No Results Returned - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; W-2 Transcript - No Results Returned - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $11470.00 |  | 6.930% | $0.00 | 3.4 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | 03/01/2055 | $79460.21 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 12.94 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250964 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7495.00 | $2695.00 |  | 7.599% | $2097.64 | $2097.64 | 7.500% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $6916.78 | 1 | $8971.08 | $2001.00 | $747.59 | $166.75 |  |  |  |  |  | 42.920% | 42.920% | 42.920% | 12/17/2024 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $7495.00 |  | 6.880% | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | 60 | Not Stated |  |  |  | 03/01/2055 | $727065.68 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 241.39 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251004 |  |  | N/A |  |  |  | No | No |  |  |  |  | $852.72 | $852.72 | 7.250% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  | 1 | $1853.64 | $260.04 | $154.47 | $21.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/07/2025 | 758 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | 04/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 40.17 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250816 |  |  | Non QM |  |  |  | Yes | No | $2285.00 | $4524.98 |  | 6.955% | $3278.07 | $3278.07 | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $32578.39 | 1 | $10292.52 | $1217.04 | $857.71 | $101.42 |  |  |  |  |  | 11.538% | 11.538% | 11.538% | 01/28/2025 | 818 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| 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 - \| 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 - \| 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 - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $2285.00 |  | 6.870% | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 112.94 | Retail |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250808 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2292.98 | $2292.98 | 6.990% | No | No |  |  |  |  | 0 |  |  |  | US Citizen |  |  |  |  |  | 2 | $5877.84 | $2120.28 | $489.82 | $176.69 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/17/2024 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | FM Mortgage |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | 02/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 108.84 | Retail |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250809 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2467.44 | $2467.44 | 6.990% | No | No |  |  |  |  | 0 |  |  |  | US Citizen |  |  |  |  |  | 3 | $8028.00 | $2569.56 | $669.00 | $214.13 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/17/2024 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | FM Mortgage |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.31 | 0.76 |  |  |  |  |  |  |  | 02/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 77.98 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250836 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1615.01 | $1615.01 | 6.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $6215.28 | $2156.04 | $517.94 | $179.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/20/2025 | 683 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | 03/01/2055 | $88708.10 | 21.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.9 | Retail |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250818 |  |  | N/A |  |  |  | No | No |  |  |  |  | $4175.13 | $4175.13 | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $21943.80 | $3663.96 | $1828.65 | $305.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/22/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  | 240 | 03/01/2055 | $171254.69 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 27.1 | Broker |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251394 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10495.00 | $10678.32 |  | 7.529% | $2728.71 | $2728.71 | 7.250% | No | No | Self-Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $6335.62 | 1 | $12418.44 | $1050.00 | $1034.87 | $87.50 |  |  |  |  |  | 46.506% | 46.506% | 46.506% | 12/02/2024 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 68.000% | 100.000% |  |  | [Borrower - \| Non-Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Non-Primary Income - Wages]; W-2 Transcript - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| 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 - \| 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) - \| Primary Income - Social Security]; Account Statements - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099-SSA - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $10495.00 |  | 6.920% | $0.00 | 3.4 |  |  |  | N/A | No | 7.250% | 3 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | No |  |  |  | 03/01/2055 | $135241.16 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 27.88 |  |  | No | [Redacted] | $1798.20 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251379 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $26495.00 | $23701.90 |  | 7.403% | $20720.25 | $20720.25 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $93285.69 | 3 | $52500.00 | $3453.96 | $4375.00 | $287.83 |  |  |  |  |  | 26.741% | 26.741% | 26.741% | 01/30/2025 | 810 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 75.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 75.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2010 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $26495.00 |  | 6.870% | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 04/01/2055 | $1132399.26 | 28.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 45.51 |  | Yes | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250843 |  |  | Non QM |  |  |  | Yes | No | $20745.00 | $17183.22 |  | 7.952% | $5014.89 | $5014.89 | 7.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $22766.15 | 1 | $10937.52 | $2319.00 | $911.46 | $193.25 |  |  |  |  |  | 21.254% | 21.254% | 21.254% | 02/14/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $20745.00 |  | 6.870% | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $336613.39 | 38.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 23.46 |  | Yes | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251432 |  |  | N/A |  |  |  | No | No |  |  |  |  | $6405.06 | $6405.06 | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 3 | $10918.20 | $4316.40 | $909.85 | $359.70 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/04/2025 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.18 | 0.85 |  |  |  |  |  |  |  | 04/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 121.95 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251308 |  |  | Non QM |  |  |  | Yes | No | $3994.72 | $7978.03 |  | 7.251% | $2636.25 | $3475.72 | 7.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $9992.67 | 1 | $7447.44 | $1147.20 | $620.62 | $95.60 |  |  |  |  |  | 49.384% | 45.132% | 49.384% | 01/22/2025 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Expense Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $3994.72 |  | 6.850% | $0.00 | 1.3 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | Yes |  |  |  |  |  |  |  |  | 240 | 04/01/2055 | $105264.39 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 19.62 |  | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251325 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1877.00 | $1877.00 | 7.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $3341.64 | $1332.96 | $278.47 | $111.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/11/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | 04/01/2055 | $2500.00 | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 113.16 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 20250842 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2249.82 | $2249.82 | 6.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $5239.80 | $1850.88 | $436.65 | $154.24 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/06/2024 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.7 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.18 | 0.85 |  |  |  |  |  |  |  | 04/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 41.39 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251350 |  |  | N/A |  |  |  | No | No |  |  |  |  | $6405.06 | $6405.06 | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 3 | $10062.60 | $4316.40 | $838.55 | $359.70 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/04/2025 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | 04/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 123.09 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251374 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $4999.00 | $8396.74 |  | 7.660% | $5413.75 | $5413.75 | 7.500% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | Permanent Resident Alien |  |  |  |  |  | $174239.55 | 1 | $5962.68 | $3366.00 | $496.89 | $280.50 |  |  |  |  |  | 3.602% | 3.602% | 3.602% |  | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 51.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<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 - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $4999.00 |  | 6.350% | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 04/01/2040 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | Resident Alien Card |  |  | No | 90.14 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251032 |  |  | Non QM |  |  |  | Yes | No | $14695.00 | $9126.16 |  | 7.430% | $5408.33 | $7022.11 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $62008.62 | 1 | $14375.04 | $5907.96 | $1197.92 | $492.33 |  |  |  |  |  | 22.521% | 20.505% | 22.521% | 02/03/2025 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| 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 - \| 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 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $14695.00 |  | 6.850% | $0.00 | 2.3 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | 04/01/2055 | $261904.34 | 23.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.3 |  | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251438 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $8775.00 | $10865.47 |  | 7.639% | $2514.06 | $2514.06 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $29421.40 | 1 | $7800.72 | $1782.72 | $650.06 | $148.56 |  |  |  |  |  | 31.484% | 31.484% | 31.484% | 01/29/2025 | 687 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $8775.00 |  | 6.850% | $0.00 | 2.6 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 04/01/2055 | $4000.00 | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.74 |  | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251011 |  |  | Non QM |  |  |  | Yes | No | $19958.37 | $11770.15 |  | 8.042% | $4182.20 | $4182.20 | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $66829.56 | 1 | $6654.60 | $3157.44 | $554.55 | $263.12 |  |  |  |  |  | 11.524% | 11.524% | 11.524% | 01/03/2025 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $19958.37 |  | 6.880% | $0.00 | 1 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 25.1 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251249 |  |  | Non QM |  |  |  | Yes | No | $38501.88 | $47047.96 |  | 8.084% | $11074.22 | $12235.55 | 7.875% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $23646.21 | 1 | $27947.04 | $4860.00 | $2328.92 | $405.00 |  |  |  |  |  | 44.352% | 41.619% | 44.352% | 01/19/2025 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ArcHome | $38501.88 |  | 7.070% | $0.00 | 1.1 |  |  |  | N/A | No | 7.875% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 360 | 04/01/2065 | $1340872.39 | 60.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 47.61 |  | No | No | [Redacted] | $0.00 | $18910.25 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250959 |  |  | N/A |  |  |  | No | No |  |  |  |  | $3236.50 | $3236.50 | 6.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $8543.76 | $831.96 | $711.98 | $69.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/24/2024 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.6 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  |  |  |  |  | 04/01/2055 | $303765.67 | 36.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.83 |  |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251362 |  |  | N/A |  |  |  | No | No |  |  |  |  | $4513.40 | $4513.40 | 7.750% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | $19244.88 | $1097.04 | $1603.74 | $91.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/03/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.76 | 1.32 |  |  |  |  |  |  |  | 04/01/2055 | $590916.40 | 64.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 41.61 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251340 |  |  | Non QM |  |  |  | Yes | No | $14695.00 | $11106.49 |  | 7.571% | $3315.24 | $3315.24 | 7.375% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  | $20576.96 | 1 | $13985.76 | $5631.96 | $1165.48 | $469.33 |  |  |  |  |  | 25.793% | 25.793% | 25.793% | 02/07/2025 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $14695.00 |  | 6.850% | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 12.27 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251353 |  |  | N/A |  |  |  | No | No |  |  |  |  | $7522.33 | $7522.33 | 7.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $14253.00 | $5232.36 | $1187.75 | $436.03 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/14/2025 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | 04/01/2055 | $214057.41 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 31.71 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 20251294 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2340.31 | $2340.31 | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $5192.04 | $1528.20 | $432.67 | $127.35 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/18/2025 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.36 | 0.73 |  |  |  |  |  |  |  | 04/01/2055 | $189929.50 | 40.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 37.17 |  |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251285 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2926.62 | $2926.62 | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | $3928.68 | $1644.00 | $327.39 | $137.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/27/2025 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.66 | 0.6 |  |  |  |  |  |  |  | 04/01/2055 |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 59.46 |  |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250823 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2156.59 | $2156.59 | 6.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $7979.88 | $2843.16 | $664.99 | $236.93 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/03/2025 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 03/01/2055 | $49835.36 | 10.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.77 | Retail |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250971 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2001.48 | $2001.48 | 7.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $3087.48 | $3107.04 | $257.29 | $258.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/05/2025 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | 03/01/2055 | $138119.45 | 37.000% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.37 | Retail |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250965 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2196.83 | $2196.83 | 7.000% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | $2085.00 | $1203.96 | $173.75 | $100.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/21/2025 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.7 |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.85 | 1.18 |  |  |  |  |  |  |  | 03/01/2055 | $2771.40 | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 11.85 | Retail |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251012 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1716.05 | $1716.05 | 7.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $9237.00 | $2531.76 | $769.75 | $210.98 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/29/2025 | 684 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 03/01/2055 | $168852.48 | 45.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.26 | Retail |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251072 |  |  | N/A |  |  |  | No | No |  |  |  |  | $4983.80 | $4983.80 | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $3220.20 | $1725.96 | $268.35 | $143.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/06/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 2.8 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.91 |  |  |  |  |  |  | 240 | 03/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 34.64 |  |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251074 |  |  | N/A |  |  |  | No | No |  |  |  |  | $4834.84 | $4834.84 | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $3219.84 | $1725.96 | $268.32 | $143.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/06/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 2.9 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  | 240 | 03/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 31.98 | Retail |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251054 |  |  | N/A |  |  |  | No | No |  |  |  |  | $5076.04 | $5076.04 | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $3208.44 | $1644.84 | $267.37 | $137.07 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/06/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 2.9 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.84 |  |  |  |  |  |  | 240 | 03/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 34.11 | Retail |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251075 |  |  | N/A |  |  |  | No | No |  |  |  |  | $4932.24 | $4932.24 | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $3242.88 | $1644.84 | $270.24 | $137.07 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/06/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  |  |  |  | 240 | 03/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 33.09 | Retail |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251076 |  |  | N/A |  |  |  | No | No |  |  |  |  | $5041.67 | $5041.67 | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $3218.16 | $2952.00 | $268.18 | $246.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/06/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 2.9 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  | 240 | 03/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 33.64 | Retail |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251069 |  |  | N/A |  |  |  | No | No |  |  |  |  | $5545.26 | $5545.26 | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $3887.16 | $1845.84 | $323.93 | $153.82 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/06/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 3.2 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  | 240 | 03/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 31.04 | Retail |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251073 |  |  | N/A |  |  |  | No | No |  |  |  |  | $4983.80 | $4983.80 | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $3217.68 | $1725.96 | $268.14 | $143.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/06/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 2.9 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.91 |  |  |  |  |  |  | 240 | 03/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 34.42 | Retail |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251077 |  |  | N/A |  |  |  | No | No |  |  |  |  | $5012.45 | $5012.45 | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $3228.60 | $1644.84 | $269.05 | $137.07 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/06/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  |  |  |  | 240 | 03/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 34.5 |  |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251071 |  |  | N/A |  |  |  | No | No |  |  |  |  | $5975.52 | $5975.52 | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $3887.16 | $2026.08 | $323.93 | $168.84 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/06/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 2.8 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  | 240 | 03/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 28.9 | Retail |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251067 |  |  | N/A |  |  |  | No | No |  |  |  |  | $4983.80 | $4983.80 | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $3220.32 | $1644.84 | $268.36 | $137.07 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/06/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 2.8 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  | 240 | 03/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 34.46 | Retail |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251070 |  |  | N/A |  |  |  | No | No |  |  |  |  | $5093.23 | $5093.23 | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $3205.44 | $1644.84 | $267.12 | $137.07 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/06/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 3.3 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.17 | 0.85 |  |  |  |  |  |  | 240 | 03/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 34 |  |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251068 |  |  | N/A |  |  |  | No | No |  |  |  |  | $5545.26 | $5545.26 | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $3480.00 | $2952.00 | $290.00 | $246.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/06/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 3.2 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.92 |  |  |  |  |  |  | 240 | 03/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 30.74 | Retail |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250967 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1810.73 | $1810.73 | 7.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | $7741.44 | $2082.48 | $645.12 | $173.54 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/08/2025 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  |  | 03/01/2055 | $115350.82 | 34.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.08 | Retail |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250956 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1508.02 | $1508.02 | 6.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $3829.92 | $200.04 | $319.16 | $16.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/22/2025 | 815 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 240 | 03/01/2055 | $160773.24 | 42.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 27.21 | Retail |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250815 |  |  | Non QM |  |  |  | Yes | No | $1990.00 | $1980.96 |  | 7.028% | $2993.86 | $2993.86 | 7.000% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $8878.90 | 1 | $36448.80 | $4518.00 | $3037.40 | $376.50 |  |  |  |  |  | 42.407% | 42.407% | 42.407% | 02/04/2025 | 779 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1990.00 |  | 6.870% | $33500.00 | 2.6 |  |  |  | N/A | No | 7.000% | 1 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2055 | $2704689.84 | 92.000% | No | 5 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 32.01 | Retail |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251000 |  |  | Non QM |  |  |  | Yes | No | $7924.38 | $9161.35 |  | 8.147% | $2583.06 | $2583.06 | 7.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $3362.80 | 1 | $2771.64 | $1490.04 | $230.97 | $124.17 |  |  |  |  |  | 47.209% | 47.209% | 47.209% | 01/28/2025 | 690 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $7924.38 |  | 6.880% | $0.00 | 1.5 |  |  |  | N/A | No | 7.875% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.84 | Retail |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250810 |  |  | Non QM |  |  |  | Yes | No | $6252.02 | $7300.10 |  | 7.424% | $1596.71 | $1596.71 | 7.125% | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $2597.25 | 1 | $3346.08 | $998.40 | $278.84 | $83.20 |  |  |  |  |  | 49.322% | 49.322% | 49.322% |  | 813 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Account Transcripts - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Account Transcripts - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Account Transcripts - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $6252.02 |  | 6.870% | $0.00 | 3.9 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2055 | $199614.55 | 51.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 12.34 | Retail |  | No | [Redacted] | $2304.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251017 |  |  | Non QM |  |  |  | Yes | No | $1690.00 | $3020.93 |  | 7.348% | $2046.53 | $2046.53 | 7.250% | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $9040.87 | 1 | $3008.64 | $1886.76 | $250.72 | $157.23 |  |  |  |  |  | 21.699% | 21.699% | 21.699% |  | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 4.50000% \| Expense Ratio Source: P&L Statement \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 4.50000% \| Expense Ratio Source: P&L Statement \| # of Bank Statements Required: 12]; Borrower-prepared P&L - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 4.50000% \| Expense Ratio Source: P&L Statement \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 4.50000% \| Expense Ratio Source: P&L Statement \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 4.50000% \| Expense Ratio Source: P&L Statement \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 4.50000% \| Expense Ratio Source: P&L Statement \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 4.50000% \| Expense Ratio Source: P&L Statement \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<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 |  |  | New American Funding | $1690.00 |  | 6.850% | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2055 | $540835.60 | 88.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 88.37 | Retail |  | No | [Redacted] | $11546.35 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250821 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $15801.25 | $8881.00 |  | 7.553% | $6668.76 | $6668.76 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $13055.76 | 1 | $17031.24 | $2535.00 | $1419.27 | $211.25 |  |  |  |  |  | 41.047% | 41.047% | 41.047% | 01/03/2025 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $15801.25 |  | 6.870% | $0.00 | 1.5 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 04/01/2055 | $634112.21 | 47.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 24.75 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251410 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1203.85 | $1203.85 | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $5509.32 | $2619.00 | $459.11 | $218.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/24/2025 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 2 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 04/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 75.06 |  |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251049 |  |  | N/A |  |  |  | No | No |  |  |  |  | $3629.24 | $3629.24 | 7.250% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 3 | $11248.20 | $2933.76 | $937.35 | $244.48 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/18/2024 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.66 | 0.6 |  |  |  |  |  |  |  | 04/01/2055 | $41639.51 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 8.65 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250828 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1633.42 | $1633.42 | 7.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $4203.96 | $873.00 | $350.33 | $72.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/03/2025 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 04/01/2055 | $96212.79 | 33.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 6.17 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250833 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1702.57 | $1702.57 | 6.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $9150.60 | $2664.84 | $762.55 | $222.07 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/22/2025 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | 04/01/2055 | $58368.63 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 19.12 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250835 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2610.61 | $2610.61 | 6.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 4 | $10690.80 | $4431.24 | $890.90 | $369.27 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/22/2025 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | 04/01/2055 | $76368.63 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 22.81 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251275 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1452.86 | $1452.86 | 6.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $6798.96 | $2956.80 | $566.58 | $246.40 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/22/2025 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  |  |  |  |  | 04/01/2055 | $76368.63 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 127.57 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250840 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $5385.00 | $3687.22 |  | 6.935% | $2555.45 | $2555.45 | 6.875% | No | No | Non-Employment Income | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $7917.39 | 1 | $3080.28 | $1982.52 | $256.69 | $165.21 |  |  |  |  |  | 39.597% | 39.597% | 39.597% | 02/14/2025 | 788 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - VA Service Related Disability]; Other - 2025<br> [Borrower - \| Primary Income - VA Service Related Disability]; 1099 - 2024<br> [Borrower - \| Primary Income - VA Service Related Disability]; Other - 2024<br> [Borrower - \| Primary Income - VA Service Related Disability]; 1099 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ArcHome | $5385.00 |  | 6.870% | $1000.00 | 5 |  |  |  | N/A | No | 6.875% | 0 | 2 | 1 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 04/01/2055 | $1290073.92 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 298.72 |  | No | No | [Redacted] | $0.00 | $7813.15 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251355 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $9775.00 | $11439.11 |  | 7.502% | $2824.21 | $2824.21 | 7.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $4830.94 | 1 | $6054.00 | $1668.00 | $504.50 | $139.00 |  |  |  |  |  | 47.299% | 47.299% | 47.299% | 02/11/2025 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ArcHome | $9775.00 |  | 6.730% | $0.00 | 4.2 |  |  |  | N/A | No | 7.250% | 2 |  | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 04/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 77.13 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251331 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $19335.00 | $20269.84 |  | 7.578% | $12473.99 | $12473.99 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $35239.48 | 1 | $13815.12 | $4868.04 | $1151.26 | $405.67 |  |  |  |  |  | 32.364% | 32.364% | 32.364% | 12/20/2024 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| 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 - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $19335.00 |  | 6.770% | $0.00 | 2.1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 04/01/2055 | $71890.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 9.67 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250832 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1657.17 | $1657.17 | 6.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $6414.72 | $2466.00 | $534.56 | $205.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/22/2025 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  |  |  |  |  | 04/01/2055 | $66368.63 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 22.19 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251269 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2315.67 | $2315.67 | 6.875% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  | 1 | $5578.92 | $1196.04 | $464.91 | $99.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/29/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 5 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | 04/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 117.87 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251273 |  |  | N/A |  |  |  | No | No |  |  |  |  | $4215.89 | $4215.89 | 6.750% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 2 | $6561.96 | $1493.04 | $546.83 | $124.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/04/2025 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.29 | 0.78 |  |  |  |  |  |  |  | 04/01/2055 | $747216.03 | 60.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 21.63 |  |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251033 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $13470.99 | $4988.87 |  | 7.930% | $4339.54 | $4339.54 | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $28448.50 | 1 | $4741.20 | $3446.04 | $395.10 | $287.17 |  |  |  |  |  | 21.461% | 21.461% | 21.461% | 02/12/2025 | 664 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2015<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2015<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2015 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 2 | 0 |  |  | Arc | $13470.99 |  | 6.850% | $0.00 | 1 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 04/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 20.78 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251345 |  |  | N/A |  |  |  | No | No |  |  |  |  | $3069.79 | $3069.79 | 7.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $6839.52 | $1191.96 | $569.96 | $99.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/24/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 2.8 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | 04/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 62.5 |  |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251256 |  |  | N/A |  |  |  | No | No |  |  |  |  | $3681.30 | $3681.30 | 7.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $7119.96 | $1696.44 | $593.33 | $141.37 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/06/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.88 |  |  |  |  |  |  |  | 04/01/2055 | $153034.19 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 53.4 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251262 |  |  | N/A |  |  |  | No | No |  |  |  |  | $6304.37 | $6304.37 | 6.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 4 | $12363.00 | $5133.00 | $1030.25 | $427.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/20/2024 | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | 04/01/2055 | $486345.61 | 30.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.04 |  |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251041 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $14295.00 | $17545.57 |  | 7.504% | $4365.93 | $4365.93 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $7737.95 | 1 | $20830.80 | $1605.00 | $1735.90 | $133.75 |  |  |  |  |  | 48.923% | 48.923% | 48.923% | 12/27/2024 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| 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 - 2025<br> [Borrower - \| 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 - 2024<br> [Borrower - \| 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 - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024 | [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 Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $14295.00 |  | 6.850% | $0.00 | 1.1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | 04/01/2055 |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 14.52 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250845 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2989.03 | $2989.03 | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $10814.04 | $3953.04 | $901.17 | $329.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/03/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.94 |  |  |  |  |  |  |  | 03/01/2055 | $47954.46 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 57.69 | Retail |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250807 |  |  | Non QM |  |  |  | Yes | No | $4527.25 | $5300.73 |  | 7.446% | $1807.77 | $1807.77 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $8654.54 | 2 | $9096.24 | $3656.04 | $758.02 | $304.67 |  |  |  |  |  | 26.395% | 26.395% | 26.395% | 12/31/2024 | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2021 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $4527.25 |  | 6.870% | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2055 | $45136.42 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 27.63 | Retail |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251021 |  |  | Non QM |  |  |  | Yes | No | $13395.00 | $25568.52 |  | 7.324% | $13643.52 | $13643.52 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $34624.44 | 1 | $5796.72 | $3387.96 | $483.06 | $282.33 |  |  |  |  |  | 36.775% | 36.775% | 36.775% | 11/19/2024 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 0.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $13395.00 |  | 6.850% | $0.00 | 2.7 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $714057.40 | 28.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.97 | Retail | Yes | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250961 |  |  | Non QM |  |  |  | Yes | No | $1450.00 | $5203.64 |  | 7.306% | $3376.77 | $3376.77 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $98017.28 | 1 | $2556.72 | $3708.96 | $213.06 | $309.08 |  |  |  |  |  | 5.267% | 5.267% | 5.267% | 02/11/2025 | 697 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| 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 - \| 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 - \| 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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $1450.00 |  | 6.880% | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $941601.22 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 159.22 | Retail |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250970 |  |  | Non QM |  |  |  | Yes | No | $9061.92 | $11393.71 |  | 8.247% | $2436.23 | $2436.23 | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $11267.46 | 1 | $5640.84 | $4532.04 | $470.07 | $377.67 |  |  |  |  |  | 32.580% | 32.580% | 32.580% | 01/29/2025 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| 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 - \| 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 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | New American Funding | $9061.92 |  | 6.880% | $8000.00 | 1 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2055 | $556299.04 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 168.18 | Retail | Yes | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251282 |  |  | N/A |  |  |  | No | No |  |  |  |  | $3270.95 | $3270.95 | 6.500% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 2 | $10986.96 | $1499.04 | $915.58 | $124.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/19/2025 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | 04/01/2055 | $81117.72 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 106.63 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251304 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1848.60 | $1848.60 | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $5808.48 | $1809.60 | $484.04 | $150.80 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/13/2025 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | 04/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 69.74 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250960 |  |  | N/A |  |  |  | No | No |  |  |  |  | $3670.88 | $3670.88 | 7.500% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $12980.04 | $1200.00 | $1081.67 | $100.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/03/2025 | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | 04/01/2055 | $215241.18 | 31.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 18.3 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251229 |  |  | Non QM |  |  |  | Yes | No | $25702.30 | $28933.50 |  | 7.724% | $3990.73 | $3990.73 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $7300.47 | 1 | $23292.00 | $1119.96 | $1941.00 | $93.33 |  |  |  |  |  | 45.214% | 45.214% | 45.214% | 11/14/2024 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| 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 - \| 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 - \| 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 - \| 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 - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 25.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $25702.30 |  | 6.780% | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | 04/01/2055 | $509721.21 | 57.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 23.2 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250820 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $16536.95 | $16845.68 |  | 7.493% | $8311.28 | $8311.28 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $26752.13 | 1 | $31503.00 | $6532.32 | $2625.25 | $544.36 |  |  |  |  |  | 37.127% | 37.127% | 37.127% | 01/15/2025 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 52.500% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 52.50% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 52.50% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 52.50% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 52.50% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 52.50% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 52.50% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 52.50% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 60.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $16536.95 |  | 6.870% | $50000.00 | 2.6 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 04/01/2055 | $322383.31 | 21.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.06 |  | Yes | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251235 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6247.00 | $7253.10 |  | 7.459% | $2161.13 | $2161.13 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $16992.07 | 1 | $4299.00 | $1317.00 | $358.25 | $109.75 |  |  |  |  |  | 28.743% | 28.743% | 28.743% | 02/21/2025 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2021 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $6247.00 |  | 6.850% | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 04/01/2055 | $206687.48 | 52.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 45.28 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251088 |  |  | N/A |  |  |  | No | No |  |  |  |  | $5810.82 | $5810.82 | 7.125% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | $8141.64 | $867.00 | $678.47 | $72.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/25/2024 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | 04/01/2055 |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 30.97 |  |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251414 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1530.69 | $1530.69 | 6.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $6454.20 | $1407.84 | $537.85 | $117.32 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/11/2025 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | 04/01/2055 | $574016.77 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 227.66 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251382 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1995.37 | $1995.37 | 7.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $6442.32 | $1455.96 | $536.86 | $121.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/24/2025 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.28 | 0.78 |  |  |  |  |  |  |  | 04/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 103.73 |  |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251233 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2804.35 | $2804.35 | 7.125% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $7752.48 | $591.96 | $646.04 | $49.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/05/2024 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | 04/01/2055 | $934430.93 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 175.26 |  |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251036 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2315.67 | $2315.67 | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $4764.72 | $833.04 | $397.06 | $69.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/26/2025 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 3.6 |  |  |  | No | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | 04/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 17.53 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251270 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2728.71 | $2728.71 | 7.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $2843.76 | $831.00 | $236.98 | $69.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/04/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.15 | 0.87 |  |  |  |  |  |  |  | 04/01/2055 | $141230.82 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Trust | Business Entity |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 174.39 |  |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251093 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2536.02 | $2536.02 | 6.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $1669.08 | $860.04 | $139.09 | $71.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/27/2025 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 04/01/2055 | $181606.07 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | Yes | 66.12 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251352 |  |  | Non QM |  |  |  | Yes | No | $21651.20 | $25552.60 |  | 7.272% | $4072.96 | $4072.96 | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $29399.27 | 1 | $12158.52 | $1479.00 | $1013.21 | $123.25 |  |  |  |  |  | 30.181% | 30.181% | 30.181% | 01/07/2025 | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $21651.20 |  | 6.730% | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 21.05 |  | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251030 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2349.36 | $2349.36 | 7.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $6926.52 | $501.00 | $577.21 | $41.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/30/2025 | 694 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.09 | 0.92 |  |  |  |  |  |  |  | 04/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 21.75 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
|  | 20251274 |  |  | N/A |  |  |  | No | No | $9859.20 |  |  | 9.849% | $2167.40 | $2167.40 | 9.875% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $62641.07 | 1 | $6919.56 | $1494.96 | $576.63 | $124.58 |  |  |  |  |  | 28.354% | 28.354% | 28.354% |  | 694 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% |  |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $9859.20 |  | 6.880% | $6240.00 | 1 |  |  |  | N/A | No | 9.875% | 0 | 0 | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $218405.13 | 70.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 51.66 |  | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250831 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2398.31 | $2398.31 | 7.500% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $4739.04 | $1056.24 | $394.92 | $88.02 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/16/2024 | 802 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | First Colony Mortgage |  |  |  | $0.00 | 4.5 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.87 | 1.15 |  |  |  |  |  |  |  | 03/01/2055 | $350548.36 | 52.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 26.84 | Retail |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251016 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2545.14 | $2545.14 | 7.500% | No | No |  |  |  |  |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  |  | 1 | $10764.12 | $1776.96 | $897.01 | $148.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/16/2025 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | First Colony Mortgage |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 04/01/2055 | $176970.34 | 34.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 11.05 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 20250839 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1005.84 | $1005.84 | 7.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $1396.92 | $754.32 | $116.41 | $62.86 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/29/2025 | 697 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | 04/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 61.02 | Broker |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250838 |  |  | N/A |  |  |  | No | No |  |  |  |  | $955.36 | $955.36 | 8.000% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $3234.48 | $2040.00 | $269.54 | $170.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/10/2024 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 04/01/2055 | $358718.31 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 155.8 | Retail |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251244 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $12766.40 | $4084.88 |  | 7.799% | $4527.73 | $4527.73 | 7.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $35656.95 | 1 | $10792.56 | $1616.04 | $899.38 | $134.67 |  |  |  |  |  | 19.255% | 19.255% | 19.255% | 12/30/2024 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $12766.40 |  | 7.070% | $5000.00 | 2.3 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 04/01/2055 | $208863.65 | 26.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.33 |  | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251316 |  |  | Non QM |  |  |  | Yes | No | $27833.08 | $751.87 |  | 6.874% | $3928.43 | $3928.43 | 6.875% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $63187.67 | 1 | $4637.40 | $4539.96 | $386.45 | $378.33 |  |  |  |  |  | 27.730% | 27.730% | 27.730% |  | 694 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $27833.08 |  | 6.730% | $25151.54 | 1.5 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $565194.49 | 61.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 53.13 |  | Yes | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250998 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2411.57 | $2411.57 | 8.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $4353.84 | $1296.96 | $362.82 | $108.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/16/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.4 |  |  |  | No | No | 8.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | 04/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 30.44 | Retail |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251022 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2502.05 | $2502.05 | 7.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $5845.08 | $3507.96 | $487.09 | $292.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/22/2025 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.5 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.94 |  |  |  |  |  |  |  | 04/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 99.87 | Retail |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251007 |  |  | Non QM |  |  |  | Yes | No | $2170.00 | $232.28 |  | 6.988% | $3262.00 | $4338.31 | 6.990% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $6272.96 | 1 | $13905.12 | $2700.12 | $1158.76 | $225.01 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 09/24/2024 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2024<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2024<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2024<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2024<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion (No DTI) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ARCHome | $2170.00 |  | 6.040% | $0.00 | 1 |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  | 240 | 11/01/2054 | $738911.55 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 128.39 | Retail |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250829 |  |  | Non QM |  |  |  | Yes | No | $1695.00 | $7513.77 |  | 7.468% | $4834.73 | $4834.73 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $252560.22 | 1 | $17078.64 | $4620.84 | $1423.22 | $385.07 |  |  |  |  |  | 7.987% | 7.987% | 7.987% | 01/29/2025 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | New American Funding | $1695.00 |  | 6.870% | $0.00 | 5 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2055 | $630417.18 | 45.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 131.64 | Retail | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251009 |  |  | Non QM |  |  |  | Yes | No | $6550.00 | $6431.42 |  | 8.148% | $3566.10 | $3566.10 | 8.000% | No | No | Self-Employed | Self-Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  | $17420.57 | 1 | $6072.48 | $2975.16 | $506.04 | $247.93 |  |  |  |  |  | 21.130% | 21.130% | 21.130% | 12/12/2024 | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| 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 - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| 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 - 2019<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2019 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<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 |  |  | Cross Country | $6550.00 |  | 6.920% | $0.00 | 2.3 |  |  |  | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2055 | $42993.31 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  | No | 9.41 | Retail | No | No | [Redacted] | $10987.78 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250812 |  |  | Non QM |  |  |  | Yes | No | $7455.54 | $0.00 |  | 7.483% | $5118.25 | $5118.25 | 7.500% | No | Yes | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $12243.56 | 1 | $10037.64 | $1749.96 | $836.47 | $145.83 |  |  |  |  |  | 35.533% | 35.533% | 35.533% |  | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 26.000% | 100.000% |  | Borrower Prepared | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Borrower-prepared P&L - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| 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 - \| 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 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [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 |  |  | New American Funding | $7455.54 |  | 6.870% | $20000.00 | 1.2 |  |  |  | N/A | No | 7.500% | 0 | 3 | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2055 | $464816.03 | 51.000% | No |  | 25 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 52.28 | Retail |  | No | [Redacted] | $0.00 | $14087.49 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251005 |  |  | Non QM |  |  |  | Yes | No | $1590.00 | $5201.20 |  | 7.779% | $4355.79 | $4355.79 | 7.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $48560.89 | 1 | $4842.84 | $8067.00 | $403.57 | $672.25 |  |  |  |  |  | 25.599% | 25.599% | 25.599% | 01/06/2025 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| 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 - \| 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 - \| 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 - \| 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 - \| 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 - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1590.00 |  | 6.880% | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 1 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $524916.98 | 69.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 83.35 | Retail | Yes | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250811 |  |  | Non QM |  |  |  | Yes | No | $1797.80 | $1825.10 |  | 7.336% | $1432.57 | $1432.57 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $4351.60 | 1 | $2370.00 | $1404.00 | $197.50 | $117.00 |  |  |  |  |  | 29.813% | 29.813% | 29.813% | 02/03/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $1797.80 |  | 6.870% | $5500.00 | 1.6 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2055 | $393609.27 | 95.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 104.31 | Retail |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251020 |  |  | Non QM |  |  |  | Yes | No | $1419.00 | $8830.17 |  | 6.769% | $8018.92 | $8018.92 | 6.750% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $31914.25 | 1 | $15454.32 | $4647.00 | $1287.86 | $387.25 |  |  |  |  |  | 30.370% | 30.370% | 30.370% | 01/28/2025 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Non-Primary Income - Wages]; Employer Letter - 2023<br> [Borrower - \| Non-Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $1419.00 |  | 6.850% | $6.25 | 3.2 |  |  |  | N/A | No | 6.750% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $483919.71 | 31.000% | No | 13 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.47 | Retail |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250957 |  |  | Non QM |  |  |  | Yes | No | $1645.00 | $18425.51 |  | 7.302% | $21147.46 | $21147.46 | 7.250% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $159923.75 | 1 | $83750.04 | $3959.04 | $6979.17 | $329.92 |  |  |  |  |  | 27.624% | 27.624% | 27.624% | 01/21/2025 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 33.000% | 33.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2020<br> [Borrower]; 4506-C - 2019<br> [Borrower]; 4506-C - 2018<br> [Borrower]; 4506-C - 2017<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 4506-C - 2019<br> [Coborrower]; 4506-C - 2018<br> [Coborrower]; 4506-C - 2017<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | First Colony Mortgage Corporation | $1645.00 |  | 6.870% | $0.00 | 5 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2055 | $204000.00 | 3.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 20.1 | Retail | Yes | No | [Redacted] | $110481.55 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251029 |  |  | Non QM |  |  |  | Yes | No | $11285.00 | $14588.96 |  | 7.756% | $2458.80 | $2458.80 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $6471.79 | 1 | $5562.48 | $3064.80 | $463.54 | $255.40 |  |  |  |  |  | 47.117% | 47.117% | 47.117% | 01/29/2025 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | AAA Capital Investment | $11285.00 |  | 6.850% | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $142326.87 | 32.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.87 | Broker | Yes | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250830 |  |  | Non QM |  |  |  | Yes | No | $1695.00 | $6305.11 |  | 7.534% | $5593.72 | $5593.72 | 7.500% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $12721.15 | 1 | $15624.96 | $4837.68 | $1302.08 | $403.14 |  |  |  |  |  | 46.991% | 46.991% | 46.991% |  | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 75.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | New American Funding | $1695.00 |  | 6.870% | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $136709.80 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 15.1 | Retail | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251023 |  |  | Non QM |  |  |  | Yes | No | $9690.00 | $11720.55 |  | 7.784% | $2250.00 | $2900.14 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $7900.93 | 1 | $10969.68 | $1856.04 | $914.14 | $154.67 |  |  |  |  |  | 43.807% | 39.183% | 43.807% | 02/08/2025 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2019 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $9690.00 |  | 6.850% | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | 04/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 14.25 | Retail |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250997 |  |  | Non QM |  |  |  | Yes | No | $2713.75 | $5624.50 |  | 7.919% | $874.02 | $874.02 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $8117.83 | 1 | $1138.80 | $1206.96 | $94.90 | $100.58 |  |  |  |  |  | 43.626% | 43.626% | 43.626% | 11/13/2024 | 691 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $2713.75 |  | 6.880% | $0.00 | 1.5 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 106.86 | Retail | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251433 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6995.00 | $729.80 |  | 7.142% | $1852.73 | $1852.73 | 7.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $8503.40 | 1 | $1847.40 | $3539.40 | $153.95 | $294.95 |  |  |  |  |  | 32.474% | 32.474% | 32.474% | 02/04/2025 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $6995.00 |  | 6.730% | $206000.00 | 4.2 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 04/01/2055 | $22522.64 | 5.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.61 |  | Yes | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251283 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2744.55 | $2744.55 | 7.625% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  | 4 | $8737.08 | $2496.96 | $728.09 | $208.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/25/2025 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.31 | 0.76 |  |  |  |  |  |  |  | 04/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | Yes | 111.24 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251390 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1736.62 | $1736.62 | 6.750% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  | 1 | $5227.20 | $744.48 | $435.60 | $62.04 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/06/2025 | 755 | 765 | 733 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.2 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.04 | 0.49 |  |  |  |  |  |  |  | 04/01/2055 | $357701.83 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 93.42 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251258 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2919.27 | $2919.27 | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | $18572.04 | $2502.00 | $1547.67 | $208.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/12/2024 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  | 240 | 04/01/2055 | $309914.86 | 43.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.45 |  |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251333 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1905.09 | $1905.09 | 6.875% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | $5433.84 | $3003.48 | $452.82 | $250.29 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/14/2025 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.23 | 0.82 |  |  |  |  |  |  |  | 04/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 39.02 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251238 |  |  | N/A |  |  |  | No | No |  |  |  |  | $5058.46 | $5058.46 | 6.625% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 2 | $3093.60 | $2520.00 | $257.80 | $210.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/12/2024 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.28 | 0.44 |  |  |  |  |  |  |  | 04/01/2055 |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 137.05 |  |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251078 |  |  | N/A |  |  |  | No | No |  |  |  |  | $3626.04 | $3626.04 | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $15011.04 | $2169.96 | $1250.92 | $180.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/17/2025 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.91 | 1.1 |  |  |  |  |  |  |  | 04/01/2055 | $428818.52 | 57.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 36.08 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251373 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10119.00 | $11496.36 |  | 7.516% | $2941.54 | $2941.54 | 7.250% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | Ecuador |  |  | $5243.42 | 1 | $9089.16 | $1598.04 | $757.43 | $133.17 |  |  |  |  |  | 44.856% | 44.856% | 44.856% | 02/01/2025 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal, Business | 100.000% | 100.000% |  |  | [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $10119.00 |  | 6.880% | $75000.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 | 12 | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 04/01/2055 | $61082.18 | 11.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 13.45 |  | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251031 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6565.00 | $7369.52 |  | 6.951% | $2270.09 | $2270.09 | 6.750% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $17465.11 | 1 | $22317.00 | $14208.72 | $1859.75 | $1184.06 |  |  |  |  |  | 32.625% | 32.625% | 32.625% | 02/20/2025 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $6565.00 |  | 6.850% | $0.00 | 1.1 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 04/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 84.7 |  | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251380 |  |  | Non QM |  |  |  | Yes | No | $25628.20 | $11400.58 |  | 7.271% | $5255.00 | $5255.00 | 7.125% | No | No | Self-Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $8440.89 | 1 | $7205.88 | $1650.96 | $600.49 | $137.58 |  |  |  |  |  | 42.355% | 42.355% | 42.355% |  | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 38.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2023<br> [Coborrower(s) - \| Non-Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Non-Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Housing Allowance]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Housing Allowance]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Housing Allowance]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Housing Allowance]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; 1099-SSA - 2024<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Account Statements - 2024<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; 1099-SSA - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $25628.20 |  | 6.850% | $0.00 | 2.7 |  |  |  | N/A | No | 7.125% | 0 | 1 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $219558.32 |  | No |  | 26 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 143.21 |  |  | No | [Redacted] | $6291.00 | $1295.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251105 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2085.42 | $2085.42 | 6.875% | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  | 1 | $7048.68 | $1090.68 | $587.39 | $90.89 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/18/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 2.1 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.94 |  |  |  |  |  |  | 240 | 04/01/2055 | $24884.26 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | Resident Alien Card |  |  | No | 134.4 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
|  | 20251324 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1845.93 | $1845.93 | 7.625% | No | No |  |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  | 1 | $3048.60 | $2344.20 | $254.05 | $195.35 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/10/2025 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.3 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 04/01/2055 | $122228.12 | 37.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | Employment Authorization |  |  |  | 21.53 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251225 |  |  | N/A |  |  |  | No | No |  |  |  |  | $3516.25 | $3516.25 | 7.250% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  | 1 | $5261.88 | $2508.36 | $438.49 | $209.03 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/10/2025 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 5 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.64 | 0.61 |  |  |  |  |  |  | 240 | 04/01/2055 | $315887.58 | 41.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 24.31 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251055 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $20491.50 | $21457.03 |  | 7.859% | $6724.04 | $6724.04 | 7.625% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $9032.55 | 1 | $17818.56 | $1584.00 | $1484.88 | $132.00 |  |  |  |  |  | 48.692% | 48.692% | 48.692% |  | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 65.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| 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 - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [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<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $20491.50 |  | 6.730% | $0.00 | 2.8 |  |  |  | N/A | No | 7.625% | 0 | 3 | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 04/01/2055 | $66920.00 | 5.000% | No |  | 23 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 19.28 |  | Yes | No | [Redacted] | $0.00 | $6237.69 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251337 |  |  | Non QM |  |  |  | Yes | No | $18973.92 | $19939.62 |  | 8.414% | $3820.50 | $3820.50 | 8.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $20285.10 | 1 | $16121.04 | $977.04 | $1343.42 | $81.42 |  |  |  |  |  | 37.361% | 37.361% | 37.361% | 03/24/2025 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $18973.92 |  | 6.730% | $20000.00 | 2.5 |  |  |  | N/A | No | 8.000% | 0 |  | 0 | 0 | 2 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $20247.64 | 3.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.51 |  | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250825 |  |  | Non QM |  |  |  | Yes | No | $3599.36 | $7081.33 |  | 7.515% | $3469.95 | $3469.95 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $15705.63 | 1 | $9928.92 | $1263.00 | $827.41 | $105.25 |  |  |  |  |  | 33.988% | 33.988% | 33.988% | 01/27/2025 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| 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 - \| 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 - \| 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $3599.36 |  | 6.870% | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 207.79 | Retail | Yes | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250819 |  |  | Non QM |  |  |  | Yes | No | $1640.00 | $1814.27 |  | 6.901% | $5298.13 | $5298.13 | 6.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $7729.58 | 1 | $13559.88 | $1284.96 | $1129.99 | $107.08 |  |  |  |  |  | 48.407% | 48.407% | 48.407% | 01/17/2025 | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $1640.00 |  | 6.850% | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 3 |  | 0 | 0 | 4 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2055 | $652475.53 |  | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 51.21 | Retail |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251018 |  |  | Non QM |  |  |  | Yes | No | $4657.36 | $0.00 |  | 6.752% | $3713.04 | $3713.04 | 6.750% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $7542.08 | 1 | $7155.96 | $668.04 | $596.33 | $55.67 |  |  |  |  |  | 38.433% | 38.433% | 38.433% |  | 807 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 51.000% |  | 100.000% |  | [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1099 - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<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 |  |  | Arc | $4657.36 |  | 6.850% | $28917.48 | 1.1 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 2 | 0 | 12 |  |  | No |  |  |  |  |  |  |  |  |  | 03/01/2055 | $183161.82 | 26.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 8.8 | Retail | Yes | No | [Redacted] | $9182.38 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250834 |  |  | Non QM |  |  |  | Yes | No | $5570.00 | $5804.08 |  | 7.444% | $1286.80 | $1286.80 | 7.125% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $6013.01 | 1 | $5885.76 | $2887.20 | $490.48 | $240.60 |  |  |  |  |  | 47.617% | 47.617% | 47.617% | 01/25/2025 | 668 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $5570.00 |  | 6.730% | $0.00 | 2.6 |  |  |  | N/A | No | 7.125% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2055 | $172530.12 | 42.000% | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 85.5 | Retail | Yes | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251083 |  |  | Non QM |  |  |  | Yes | No | $2220.00 | $3677.45 |  | 7.876% | $976.76 | $976.76 | 7.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $23855.55 | 1 | $3390.96 | $998.16 | $282.58 | $83.18 |  |  |  |  |  | 10.217% | 10.217% | 10.217% | 02/12/2025 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2024<br> [Borrower - \| 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 - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $2220.00 |  | 6.730% | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 59.39 | Retail |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251059 |  |  | Non QM |  |  |  | Yes | No | $1908.00 | $4127.59 |  | 7.316% | $2728.71 | $2728.71 | 7.250% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $4702.19 | 1 | $3987.84 | $3552.84 | $332.32 | $296.07 |  |  |  |  |  | 48.312% | 48.312% | 48.312% | 02/16/2025 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 78.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 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]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $1908.00 |  | 6.730% | $0.00 | 1.8 |  |  |  | N/A | No | 7.250% | 0 | 1 | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $570179.08 | 65.000% | No |  | 4 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 29.65 | Retail |  | No | [Redacted] | $0.00 | $1962.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251037 |  |  | Non QM |  |  |  | Yes | No | $15232.50 | $18156.75 |  | 7.902% | $4352.93 | $4352.93 | 7.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $104038.57 | 1 | $20614.80 | $2312.04 | $1717.90 | $192.67 |  |  |  |  |  | 6.032% | 6.032% | 6.032% | 02/27/2025 | 666 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| 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 - \| 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 - \| 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 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $15232.50 |  | 6.850% | $0.00 | 1.5 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 53.38 | Retail |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250958 |  |  | Non QM |  |  |  | Yes | No | $2080.25 | $6001.62 |  | 7.324% | $3274.45 | $3274.45 | 7.250% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $22542.89 | 1 | $10408.08 | $0.00 | $867.34 | $0.00 |  |  |  |  |  | 39.454% | 39.454% | 39.454% | 02/17/2025 | 706 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Business License - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $2080.25 |  | 6.880% | $2568.00 | 1 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $383776.31 | 64.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 46.24 |  | Yes | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251082 |  |  | Non QM |  |  |  | Yes | No | $13863.75 | $16072.87 |  | 7.349% | $2827.54 | $2827.54 | 7.000% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $12767.64 | 1 | $1271.76 | $2462.04 | $105.98 | $205.17 |  |  |  |  |  | 34.895% | 34.895% | 34.895% |  | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 94.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 94.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 94.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 94.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 94.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 94.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | First Colony Mortgage Corporation | $13863.75 |  | 6.730% | $0.00 | 2.5 |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $221613.90 | 39.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 16.22 | Retail | Yes | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251100 |  |  | Non QM |  |  |  | Yes | No | $2934.83 | $2917.31 |  | 6.977% | $1379.09 | $1379.09 | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $44786.67 | 1 | $1724.64 | $549.00 | $143.72 | $45.75 |  |  |  |  |  | 21.451% | 21.451% | 21.451% | 02/24/2025 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2022 | [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]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $2934.83 |  | 6.730% | $10000.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $182156.04 | 61.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 51.58 | Retail | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251010 |  |  | Non QM |  |  |  | Yes | No | $5171.07 | $7328.22 |  | 7.491% | $3514.16 | $3514.16 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $13313.57 | 1 | $5086.68 | $687.12 | $423.89 | $57.26 |  |  |  |  |  | 39.109% | 39.109% | 39.109% | 01/09/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| 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 - \| 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 - \| 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 - \| 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 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $5171.07 |  | 6.880% | $0.00 | 3.3 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $36726.82 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 20.52 | Retail | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251084 |  |  | Non QM |  |  |  | Yes | No | $1876.50 | $5713.05 |  | 7.424% | $1165.53 | $1165.53 | 7.125% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $2937.28 | 1 | $1478.40 | $963.00 | $123.20 | $80.25 |  |  |  |  |  | 32.027% | 32.027% | 32.027% | 02/04/2025 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Other - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $1876.50 |  | 6.880% | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | 04/01/2055 | $468238.06 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 213.11 | Retail |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251102 |  |  | Non QM |  |  |  | Yes | No | $10940.00 | $13905.03 |  | 7.163% | $4989.77 | $4989.77 | 7.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $16401.52 | 1 | $9274.80 | $4224.96 | $772.90 | $352.08 |  |  |  |  |  | 34.060% | 34.060% | 34.060% | 11/20/2024 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| 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 - 2025 | [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]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | First Colony Mortgage Corporation | $10940.00 |  | 6.620% | $0.00 | 3.6 |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $0.00 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 33.03 | Broker |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251043 |  |  | Non QM |  |  |  | Yes | No | $1695.00 | $5627.48 |  | 7.026% | $7796.51 | $7796.51 | 7.000% | No | No | Non-Employment Income | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $13086.04 | 1 | $6574.44 | $2010.00 | $547.87 | $167.50 |  |  |  |  |  | 47.524% | 47.524% | 47.524% | 02/12/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; 1099-R - 2024<br> [Borrower - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2024<br> [Borrower - \| Primary Income - Pension]; 1099-R - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<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 |  |  | New American Funding | $1695.00 |  | 6.850% | $0.00 | 2.7 |  |  |  | N/A | No | 7.000% | 0 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $1282700.80 | 82.000% | Yes |  | 25 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 111.6 | Retail | Yes | No | [Redacted] | $0.00 | $9215.95 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251003 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1237.20 | $1237.20 | 6.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $5630.04 | $2305.44 | $469.17 | $192.12 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/10/2025 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 4.1 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.98 | 1.02 |  |  |  |  |  |  |  | 03/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 54.9 | Retail |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 1 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251089 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1536.08 | $1536.08 | 7.125% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | $1268.04 | $846.96 | $105.67 | $70.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/10/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 2.1 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 04/01/2055 | $137464.39 | 48.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 38.16 | Retail |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251027 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1359.51 | $1359.51 | 7.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $2589.12 | $1079.04 | $215.76 | $89.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/23/2025 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 4.2 |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.26 | 0.79 |  |  |  |  |  |  |  | 04/01/2055 | $135727.03 | 54.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 38.2 | Retail |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251057 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2799.32 | $2799.32 | 7.625% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | $2092.20 | $2502.96 | $174.35 | $208.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/29/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.79 | 1.27 |  |  |  |  |  |  |  | 04/01/2055 | $238497.38 | 42.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 18.32 | Retail |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251336 |  |  | Non QM |  |  |  | Yes | No | $40383.43 | $0.00 |  | 7.111% | $6284.45 | $6284.45 | 7.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $15226.22 | 1 | $19406.40 | $3275.04 | $1617.20 | $272.92 |  |  |  |  |  | 38.197% | 38.197% | 38.197% | 02/05/2025 | 765 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| 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 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $40383.43 |  | 6.620% | $63773.41 | 1 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $116965.29 | 10.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.25 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251090 |  |  | Non QM |  |  |  | Yes | No | $6801.78 | $4010.11 |  | 7.438% | $1395.05 | $1395.05 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $2013.70 | 1 | $1480.56 | $1413.00 | $123.38 | $117.75 |  |  |  |  |  | 48.721% | 48.721% | 48.721% | 02/24/2025 | 660 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - No Results Returned - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $6801.78 |  | 6.730% | $0.00 | 2.4 |  |  |  | N/A | No | 7.250% | 1 |  | 0 | 0 | 3 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $419876.90 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 159.53 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251370 |  |  | Higher Priced QM (APOR) |  |  |  | Yes | No | $17369.32 | $4018.32 |  | 8.320% | $4627.80 | $4627.80 | 8.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $28181.92 | 1 | $6573.48 | $1776.96 | $547.79 | $148.08 |  |  |  |  |  | 26.148% | 26.148% | 26.148% | 01/29/2025 | 697 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 51.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $17369.32 |  | 6.730% | $0.00 | 3 |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | No |  |  |  | 04/01/2055 | $28510.00 | 4.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.72 |  | Yes | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251392 |  |  | Non QM |  |  |  | Yes | No | $11015.20 | $4436.14 |  | 8.051% | $1957.69 | $1957.69 | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $11978.77 | 1 | $8765.76 | $4154.64 | $730.48 | $346.22 |  |  |  |  |  | 31.258% | 31.258% | 31.258% | 01/24/2025 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| 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 - \| 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 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $11015.20 |  | 6.930% | $0.00 | 1 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.63 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251398 |  |  | Non QM |  |  |  | Yes | No | $37688.01 | $39658.71 |  | 8.399% | $7918.05 | $7918.05 | 8.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $19251.02 | 1 | $15810.12 | $12120.00 | $1317.51 | $1010.00 |  |  |  |  |  | 42.715% | 42.715% | 42.715% | 01/20/2025 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 51.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $37688.01 |  | 6.650% | $0.00 | 2.6 |  |  |  | N/A | No | 8.000% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $101962.93 | 9.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.07 |  | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251252 |  |  | Non QM |  |  |  | Yes | No | $6236.72 | $4936.45 |  | 7.696% | $1370.46 | $1370.46 | 7.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $2417.43 | 1 | $2012.64 | $611.04 | $167.72 | $50.92 |  |  |  |  |  | 42.559% | 42.559% | 42.559% | 03/04/2025 | 815 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ArcHome | $6236.72 |  | 6.730% | $10000.00 | 2.6 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $94306.47 | 38.000% | No | 27 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 19.93 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251098 |  |  | Non QM |  |  |  | Yes | No | $14710.53 | $7455.37 |  | 7.507% | $2770.99 | $2770.99 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $13147.99 | 1 | $9375.72 | $2412.00 | $781.31 | $201.00 |  |  |  |  |  | 36.862% | 36.862% | 36.862% | 03/05/2025 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $14710.53 |  | 6.730% | $20000.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $84829.76 | 18.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.95 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251343 |  |  | Non QM |  |  |  | Yes | No | $18446.48 | $166.99 |  | 6.578% | $3857.22 | $3857.22 | 6.625% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $28826.45 | 1 | $6287.40 | $1079.04 | $523.95 | $89.92 |  |  |  |  |  | 15.967% | 15.967% | 15.967% | 02/19/2025 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| 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 - \| 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 - \| 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 - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $18446.48 |  | 6.650% | $25460.50 | 2.5 |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $233675.14 | 31.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 18.13 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251086 |  |  | Non QM |  |  |  | Yes | No | $37895.00 | $37029.16 |  | 7.223% | $21612.50 | $28494.64 | 7.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $115205.69 | 1 | $30783.84 | $1870.20 | $2565.32 | $155.85 |  |  |  |  |  | 22.312% | 17.671% | 22.312% | 01/03/2025 | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $37895.00 |  | 6.730% | $0.00 | 1.6 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | 04/01/2055 | $544936.25 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 18.44 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251015 |  |  | Non QM |  |  |  | Yes | No | $76245.00 | $75110.96 |  | 7.981% | $19310.42 | $21420.73 | 7.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $319524.39 | 1 | $49746.36 | $30874.08 | $4145.53 | $2572.84 |  |  |  |  |  | 17.572% | 17.027% | 17.572% | 02/17/2025 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 96.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 96.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 96.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 96.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 96.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 96.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $76245.00 |  | 6.850% | $0.00 | 2.6 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 360 | 04/01/2065 | $2103187.57 | 46.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 43.07 |  | Yes | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251405 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1521.09 | $1521.09 | 7.375% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | $4542.48 | $884.04 | $378.54 | $73.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/12/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 2.1 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  | 240 | 04/01/2055 | $124375.09 | 38.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 19.82 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 20251393 |  |  | N/A |  |  |  | No | No |  |  |  |  | $5583.03 | $5583.03 | 7.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $11002.20 | $1322.04 | $916.85 | $110.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/26/2025 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.9 |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.9 |  |  |  |  |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 25.17 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 20251241 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1683.51 | $1683.51 | 7.250% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $6097.32 | $1179.96 | $508.11 | $98.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/20/2025 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 05/01/2055 | $295737.34 | 59.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 8.64 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251356 |  |  | Non QM |  |  |  | Yes | No | $9995.00 | $12423.11 |  | 7.191% | $2233.56 | $2233.56 | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $5486.93 | 1 | $6881.76 | $4464.96 | $573.48 | $372.08 |  |  |  |  |  | 47.246% | 47.246% | 47.246% | 02/26/2025 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| 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 - \| 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 - \| 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 - \| 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 - \| 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 - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $9995.00 |  | 6.730% | $0.00 | 3.1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $45494.45 | 11.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.58 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251417 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $13095.00 | $16673.62 |  | 7.243% | $3858.75 | $3858.75 | 7.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $8167.03 | 1 | $6596.28 | $1833.96 | $549.69 | $152.83 |  |  |  |  |  | 41.127% | 41.127% | 41.127% | 03/03/2025 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $13095.00 |  | 6.620% | $0.00 | 2.7 |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | No |  |  |  | 05/01/2055 | $202636.44 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 19.13 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251406 |  |  | N/A |  |  |  | No | No |  |  |  |  | $3681.25 | $3681.25 | 7.125% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $12245.64 | $1137.00 | $1020.47 | $94.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/26/2024 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.4 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 240 | 05/01/2055 | $266611.73 | 34.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 19.58 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251372 |  |  | Higher Priced QM (APOR) |  |  |  | Yes | No | $5485.00 | $3117.38 |  | 8.272% | $1692.89 | $1692.89 | 8.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $4801.61 | 1 | $1279.44 | $2345.04 | $106.62 | $195.42 |  |  |  |  |  | 38.481% | 38.481% | 38.481% | 02/03/2025 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $5485.00 |  | 6.730% | $0.00 | 1 |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 2 | 0 |  |  | 13.00 | No |  |  |  |  |  | Not Stated |  |  |  | 05/01/2055 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 11.04 |  | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251310 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3458.22 | $5311.54 |  | 7.405% | $1809.81 | $1809.81 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $33000.73 | 1 | $6502.80 | $2004.00 | $541.90 | $167.00 |  |  |  |  |  | 15.325% | 15.325% | 15.325% | 02/04/2025 | 672 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| 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 - \| 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 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $3458.22 |  | 6.870% | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 101.24 |  | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250822 |  |  | Non QM |  |  |  | Yes | No | $37438.60 | $63800.01 |  | 7.620% | $17128.74 | $17128.74 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $39609.54 | 1 | $30999.96 | $5618.52 | $2583.33 | $468.21 |  |  |  |  |  | 45.085% | 45.085% | 45.085% | 12/17/2024 | 720 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Borrower-prepared P&L - 2024<br> [Borrower - \| Non-Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - P&L Statement Only]; Borrower-prepared P&L - 2024<br> [Borrower - \| Non-Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Non-Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - P&L Statement Only]; Borrower-prepared P&L - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $37438.60 |  | 6.870% | $0.00 | 5 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 1 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2055 | $1655636.44 | 53.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 49.74 | Retail | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250996 |  |  | Non QM |  |  |  | Yes | No | $4350.08 | $7602.64 |  | 7.719% | $1398.62 | $1398.62 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $8174.54 | 1 | $2883.60 | $1281.00 | $240.30 | $106.75 |  |  |  |  |  | 34.735% | 34.735% | 34.735% | 02/11/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024 | [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 |  |  | Cross Country | $4350.08 |  | 6.880% | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 71.23 | Retail |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250999 |  |  | Non QM |  |  |  | Yes | No | $3784.76 | $5899.51 |  | 8.039% | $2124.45 | $2124.45 | 7.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $2841.13 | 1 | $8217.24 | $3470.04 | $684.77 | $289.17 |  |  |  |  |  | 52.990% | 52.990% | 52.990% | 02/04/2025 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $3784.76 |  | 6.880% | $0.00 | 1 |  |  |  | N/A | No | 7.875% | 3 |  | 0 | 0 | 5 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $147045.90 |  | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 45.92 | Retail |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251066 |  |  | Non QM |  |  |  | Yes | No | $7498.19 | $5560.80 |  | 8.503% | $2656.22 | $2656.22 | 8.375% | No | No | Self-Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $5020.37 | 1 | $4853.76 | $2697.96 | $404.48 | $224.83 |  |  |  |  |  | 44.855% | 44.855% | 44.855% |  | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 85.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099-SSA - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099-SSA - 2023<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Account Statements - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $7498.19 |  | 6.730% | $51649.00 | 2.1 |  |  |  | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $6394.03 | 2.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 6.32 | Retail | No | No | [Redacted] | $1389.83 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251045 |  |  | Non QM |  |  |  | Yes | No | $1640.00 | $5903.95 |  | 7.897% | $7975.76 | $7975.76 | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $14372.25 | 1 | $27249.96 | $2589.96 | $2270.83 | $215.83 |  |  |  |  |  | 42.128% | 42.128% | 42.128% | 02/27/2025 | 664 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 - 2024 | [Borrower]; 1040 - 2024<br> [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $1640.00 |  | 6.850% | $0.00 | 2.7 |  |  |  | N/A | No | 7.875% | 1 |  | 1 | 0 | 3 | 1 |  |  |  | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $13750.00 | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.89 | Retail |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250814 |  |  | Non QM |  |  |  | Yes | No | $1450.00 | $7897.56 |  | 7.023% | $9916.67 | $13180.08 | 7.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $37956.94 | 1 | $9824.28 | $2076.00 | $818.69 | $173.00 |  |  |  |  |  | 43.136% | 38.247% | 43.136% | 02/03/2025 | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 33.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 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]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $1450.00 |  | 6.870% | $0.00 | 1 |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | 04/01/2055 | $4721261.73 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 179.57 | Retail | Yes | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251092 |  |  | Non QM |  |  |  | Yes | No | $6485.00 | $0.00 |  | 7.358% | $14918.58 | $14918.58 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $48374.06 | 1 | $33750.00 | $1580.04 | $2812.50 | $131.67 |  |  |  |  |  | 35.876% | 35.876% | 35.876% | 02/18/2025 | 815 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| 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 - 2025<br> [Borrower - \| 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 - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| 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 - 2025<br> [Borrower - \| 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 - 2025<br> [Borrower - \| 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 - 2025<br> [Borrower - \| 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 - 2025<br> [Borrower - \| 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 - 2025<br> [Borrower - \| 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 - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $6485.00 |  | 6.730% | ($35000.00) | 4.8 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | 04/01/2055 | $753914.31 | 28.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 23.08 | Retail | Yes | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251035 |  |  | Non QM |  |  |  | Yes | No | $1695.00 | $7196.93 |  | 6.898% | $7226.22 | $7226.22 | 6.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $62074.43 | 1 | $12599.16 | $2757.96 | $1049.93 | $229.83 |  |  |  |  |  | 34.973% | 34.973% | 34.973% | 03/06/2025 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Business License - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022 | [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $1695.00 |  | 6.620% | $0.00 | 3.7 |  |  |  | N/A | No | 6.875% | 2 |  | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $1281282.51 | 90.000% | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 112.99 | Retail | Yes | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251014 |  |  | Non QM |  |  |  | Yes | No | $1084.45 | $1938.45 |  | 8.281% | $2704.56 | $2704.56 | 8.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $14527.15 | 1 | $1649.16 | $4742.40 | $137.43 | $395.20 |  |  |  |  |  | 42.696% | 42.696% | 42.696% | 02/27/2025 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| 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 - \| 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 - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $1084.45 |  | 6.730% | $0.00 | 1.8 |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 118.23 | Retail | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251079 |  |  | Non QM |  |  |  | Yes | No | $1495.00 | $8996.58 |  | 7.704% | $9183.33 | $12782.30 | 8.072% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $16798.27 | 1 | $19238.52 | $2519.04 | $1603.21 | $209.92 |  |  |  |  |  | 52.358% | 42.151% | 52.358% | 12/19/2024 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $1495.00 |  | 6.690% | $10500.00 | 1 |  |  |  | N/A | No | 8.072% | 3 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 240 | 04/01/2055 | $546771.38 | 29.000% | No | 24 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.04 | Retail | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251051 |  |  | Non QM |  |  |  | Yes | No | $1695.00 | $5405.71 |  | 7.034% | $7185.27 | $7185.27 | 7.000% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $14142.47 | 1 | $15440.40 | $2181.96 | $1286.70 | $181.83 |  |  |  |  |  | 41.578% | 41.578% | 41.578% | 03/19/2025 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | New American Funding | $1695.00 |  | 6.730% | $0.00 | 1.3 |  |  |  | N/A | No | 7.000% | 1 | 2 | 0 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $166663.50 | 12.000% | No |  | 25 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 12.52 | Retail |  | No | [Redacted] | $0.00 | $6948.93 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251063 |  |  | Non QM |  |  |  | Yes | No | $7450.00 | $9234.45 |  | 7.192% | $8084.62 | $8084.62 | 7.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $15514.31 | 1 | $14008.44 | $4726.32 | $1167.37 | $393.86 |  |  |  |  |  | 38.541% | 38.541% | 38.541% | 02/22/2025 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% |  |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 20.00000% \| 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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $7450.00 |  | 6.730% | $0.00 | 4.8 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $495300.59 | 33.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.8 | Retail |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251048 |  |  | Non QM |  |  |  | Yes | No | $6386.91 | $6908.68 |  | 8.004% | $1988.76 | $1988.76 | 7.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $9808.02 | 1 | $2374.08 | $2397.72 | $197.84 | $199.81 |  |  |  |  |  | 23.216% | 23.216% | 23.216% | 02/13/2025 | 669 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| 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 - \| 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 - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | First Colony Mortgage Corporation | $6386.91 |  | 6.850% | $0.00 | 1.3 |  |  |  | No | No | 7.750% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $91261.83 | 26.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.61 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251028 |  |  | Non QM |  |  |  | Yes | No | $1638.00 | $2699.62 |  | 7.046% | $3353.07 | $3353.07 | 7.000% | No | No | Self-Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $7772.01 | 1 | $3150.00 | $1514.04 | $262.50 | $126.17 |  |  |  |  |  | 41.768% | 41.768% | 41.768% | 01/23/2025 | 665 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 51.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2004<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Coborrower(s) - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Pension]; Account Statements - 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]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $1638.00 |  | 6.660% | $5223.75 | 1 |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $176611.82 | 28.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 12.57 | Retail | Yes | No | [Redacted] | $4943.38 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250841 |  |  | Non QM |  |  |  | Yes | No | $14563.20 | $16325.19 |  | 7.454% | $2395.09 | $2395.09 | 7.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $41106.69 | 1 | $2286.12 | $5004.72 | $190.51 | $417.06 |  |  |  |  |  | 15.610% | 15.610% | 15.610% | 12/12/2024 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 30.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2015<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2015 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $14563.20 |  | 6.870% | $0.00 | 3.1 |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $1451.90 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 39.87 | Retail |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251025 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1795.32 | $1795.32 | 6.750% | No | No |  |  |  |  | 0 |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  | 1 | $2172.72 | $1196.04 | $181.06 | $99.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/04/2025 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | First Colony Mortgage |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.92 |  |  |  |  |  |  |  | 04/01/2055 | $3500.00 | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  | Resident Alien Card |  |  |  | 103.04 | Broker |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251040 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1538.38 | $1538.38 | 6.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $5505.24 | $656.04 | $458.77 | $54.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/03/2025 | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | First Colony Mortgage |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.51 | 0.66 |  |  |  |  |  |  |  | 04/01/2055 | $239336.09 | 66.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 46.85 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251039 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2542.49 | $2542.49 | 8.000% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $10298.76 | $2256.00 | $858.23 | $188.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/02/2025 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.75 | 1.33 |  |  |  |  |  |  |  | 04/01/2055 | $236288.46 | 48.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 46.07 | Retail |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251064 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2378.19 | $2378.19 | 7.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $4573.08 | $1542.96 | $381.09 | $128.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/30/2025 | 729 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Guaranteed Rate |  |  |  | $0.00 | 2.8 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.31 | 0.76 |  |  |  |  |  |  |  | 04/01/2055 | $237549.31 | 49.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 23.1 | Retail |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251091 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2045.20 | $2045.20 | 7.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $15610.32 | $4440.00 | $1300.86 | $370.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/21/2025 | 808 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Guaranteed Rate |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.93 |  |  |  |  |  |  |  | 04/01/2055 | $188273.89 | 48.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 22.5 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251047 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1653.12 | $1653.12 | 7.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 2 | $3334.56 | $2174.16 | $277.88 | $181.18 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/27/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.37 | 0.73 |  |  |  |  |  |  |  | 04/01/2055 | $45664.26 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 127.76 | Retail |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251095 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1750.03 | $1750.03 | 8.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $6329.40 | $1306.56 | $527.45 | $108.88 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/06/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | First Colony Mortgage |  |  |  | $0.00 | 3.2 |  |  |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | 04/01/2055 | $188257.60 | 61.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 40.77 | Retail |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251094 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1253.14 | $1253.14 | 8.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $4038.00 | $1982.16 | $336.50 | $165.18 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/06/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | First Colony Mortgage |  |  |  | $0.00 | 1.4 |  |  |  | N/A | No | 8.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | 04/01/2055 | $131193.00 | 62.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 40.51 | Retail |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251300 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $8495.00 | $10670.78 |  | 7.517% | $2387.62 | $2387.62 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $10741.25 | 1 | $13756.44 | $648.96 | $1146.37 | $54.08 |  |  |  |  |  | 30.712% | 30.712% | 30.712% | 02/03/2025 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $8495.00 |  | 6.850% | $0.00 | 1.5 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | No |  |  |  | 05/01/2055 | $571323.82 | 79.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 39.7 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250503 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3925.00 | $4774.61 |  | 6.513% | $12641.37 | $12641.37 | 6.500% | No | No | Not Employed | Not Employed | Self-Employed |  | 29.76 |  | US Citizen | US Citizen | US Citizen |  |  |  |  | $61640.16 | 1 | $35494.80 | $4337.04 | $2957.90 | $361.42 |  |  |  |  |  | 33.556% | 33.556% | 33.556% | 10/15/2024 | 778 | 778 | 778 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  | Level 4-Stated/Verified as defined |  | Level 3-Stated/Verified as defined |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Other - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Coborrower(s) - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - No Results Returned - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1040 - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1040 - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $3925.00 |  | 6.120% | $0.00 | 2.9 | DU |  | ApproveIneligible | N/A | No | 6.500% | 0 | 0 | 3 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 12/01/2054 | $0.00 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 61.52 |  | No | No | [Redacted] | $81817.15 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250981 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $11260.00 | $10400.00 |  | 7.588% | $7271.84 | $7271.84 | 7.500% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $18607.36 | 1 | $11965.56 | $2117.04 | $997.13 | $176.42 |  |  |  |  |  | 42.053% | 42.053% | 42.053% | 12/12/2024 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $11260.00 |  | 6.890% | $300.00 | 2.4 | DU |  | ApproveIneligible | N/A | No | 7.500% | 0 | 0 | 2 | 0 | 3 | 3 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 02/01/2055 | $452387.97 | 35.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 23.4 |  | No | No | [Redacted] | $3962.07 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250989 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $15536.92 | $14249.47 |  | 7.611% | $7187.93 | $7187.93 | 7.500% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $23000.13 | 1 | $13492.68 | $1554.12 | $1124.39 | $129.51 |  |  |  |  |  | 43.023% | 43.023% | 43.023% | 01/06/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Leave and Earnings Statement (LES) - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $15536.92 |  | 6.890% | $4500.00 | 1 | DU |  | ApproveIneligible | N/A | No | 7.500% | 1 | 1 | 1 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 02/01/2055 | $514091.64 | 40.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 24.97 |  | No | No | [Redacted] | $0.00 | $22833.78 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250974 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3928.92 | $4017.30 |  | 6.898% | $6437.91 | $6437.91 | 6.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $14015.92 | 1 | $6633.72 | $3485.40 | $552.81 | $290.45 |  |  |  |  |  | 42.246% | 42.246% | 42.246% | 01/07/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $3928.92 |  | 6.890% | $0.00 | 5 | DU |  | ApproveIneligible | N/A | No | 6.875% | 2 |  | 2 | 0 | 2 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 02/01/2055 | $369210.85 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 50.71 |  | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250982 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $8065.00 | $250.00 |  | 7.368% | $5570.30 | $5570.30 | 7.375% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $34340.26 | 1 | $11701.68 | $2241.00 | $975.14 | $186.75 |  |  |  |  |  | 32.159% | 32.159% | 32.159% | 12/30/2024 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2022<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $8065.00 |  | 6.900% | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | 7.375% | 2 |  | 1 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 02/01/2055 | $830834.16 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 137.15 |  | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250978 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7670.00 | $1626.26 |  | 6.756% | $6674.08 | $6674.08 | 6.750% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $41565.52 | 1 | $3817.56 | $13639.44 | $318.13 | $1136.62 |  |  |  |  |  | 43.000% | 43.000% | 43.000% | 12/12/2024 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $7670.00 |  | 6.890% | $0.00 | 3.5 | DU |  | ApproveIneligible | N/A | No | 6.750% | 2 |  | 1 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 02/01/2055 | $553491.60 |  | No | 36 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 63.47 |  | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250979 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7670.00 | $1656.10 |  | 6.755% | $7355.11 | $7355.11 | 6.750% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $41737.32 | 1 | $3817.56 | $11646.00 | $318.13 | $970.50 |  |  |  |  |  | 42.764% | 42.764% | 42.764% | 12/12/2024 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $7670.00 |  | 7.070% | $0.00 | 5 | DU |  | ApproveIneligible | N/A | No | 6.750% | 2 |  | 1 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 02/01/2055 | $2032918.31 |  | No | 36 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 232.28 |  | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250985 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $16492.20 | $3929.65 |  | 7.522% | $7131.99 | $7131.99 | 7.500% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $22813.73 | 1 | $6742.56 | $2342.76 | $561.88 | $195.23 |  |  |  |  |  | 42.811% | 42.811% | 42.811% | 01/03/2025 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $16492.20 |  | 6.890% | $0.00 | 3.4 | DU |  | ApproveIneligible | N/A | No | 7.500% | 0 | 2 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 02/01/2055 | $1320609.69 | 100.000% | No |  | 25 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 123.72 |  | No | No | [Redacted] | $0.00 | $17391.65 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250972 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $28667.40 | $29216.35 |  | 7.070% | $9459.78 | $9459.78 | 6.875% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $35867.42 | 1 | $22500.00 | $3795.00 | $1875.00 | $316.25 |  |  |  |  |  | 43.517% | 43.517% | 43.517% | 01/09/2025 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $28667.40 |  | 6.900% | $0.00 | 1 | DU |  | ApproveIneligible | N/A | No | 6.875% | 1 | 0 | 2 | 0 | 3 | 3 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 02/01/2055 | $622755.49 | 35.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 24.93 |  | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250976 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $2100.00 | $1303.64 |  | 7.126% | $5389.75 | $5389.75 | 7.125% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $19064.49 | 1 | $4047.72 | $14011.08 | $337.31 | $1167.59 |  |  |  |  |  | 39.234% | 39.234% | 39.234% | 12/03/2024 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; 4506-C - 2002<br> [Borrower]; 4506-C - 2002<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $2100.00 |  | 6.760% | $10000.00 | 1.9 | DU |  | ApproveEligible | N/A | No | 7.125% | 2 | 2 | 2 | 0 | 4 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 02/01/2055 | $1029722.21 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 118.45 |  | No | No | [Redacted] | ($2182.17) | $22285.96 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250987 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $18406.00 | $195.00 |  | 6.984% | $7975.58 | $7975.58 | 6.990% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $87685.52 | 1 | $13632.24 | $5360.04 | $1136.02 | $446.67 |  |  |  |  |  | 16.123% | 16.123% | 16.123% | 01/03/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021<br> [Coborrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $18406.00 |  | 6.900% | $15000.00 | 2.6 | DU |  | ApproveIneligible | N/A | No | 6.990% | 2 | 2 | 2 | 0 | 3 | 3 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 02/01/2055 | $2130836.32 | 59.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 26.28 |  | No | No | [Redacted] | $0.00 | $2414.52 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250990 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $8087.50 | $10872.12 |  | 6.826% | $8512.86 | $8512.86 | 6.750% | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $112150.30 | 1 | $11473.20 | $12087.96 | $956.10 | $1007.33 |  |  |  |  |  | 11.083% | 11.083% | 11.083% | 01/07/2025 | 739 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Account Transcripts - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Account Transcripts - 2021<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Account Transcripts - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Account Transcripts - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Account Transcripts - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $8087.50 |  | 6.980% | $0.00 | 3.2 | DU |  | ApproveIneligible | No | No | 6.750% | 0 | 0 | 1 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 02/01/2055 | $908933.14 | 52.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 42.06 |  | No | No | [Redacted] | $126129.67 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250980 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $17285.00 | $3943.85 |  | 7.301% | $6395.41 | $6395.41 | 7.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $10086.18 | 1 | $3076.32 | $2850.96 | $256.36 | $237.58 |  |  |  |  |  | 37.512% | 37.511% | 37.511% | 12/26/2024 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $17285.00 |  | 6.900% | $0.00 | 2.1 | DU |  | ApproveIneligible | N/A | No | 7.250% | 2 | 2 | 0 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 02/01/2055 | $1275389.78 | 100.000% | No |  | 36 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 139.01 |  | No | No | [Redacted] | $0.00 | $4139.21 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250984 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $8250.00 | $463.06 |  | 7.377% | $7183.03 | $7183.03 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $32932.19 | 1 | $9258.12 | $6057.60 | $771.51 | $504.80 |  |  |  |  |  | 39.283% | 39.283% | 39.283% | 12/06/2024 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; Transcripts (1040) - No Results Returned - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $8250.00 |  | 6.980% | $0.00 | 1 | DU |  | ApproveIneligible | N/A | No | 7.375% | 2 |  | 1 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 02/01/2055 | $346158.77 | 27.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 52.88 |  | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250993 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10758.00 | $8712.10 |  | 7.287% | $6821.77 | $6821.77 | 7.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $17219.12 | 1 | $15624.96 | $9424.20 | $1302.08 | $785.35 |  |  |  |  |  | 44.962% | 44.962% | 44.962% | 01/06/2025 | 795 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Account Transcripts - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Account Transcripts - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $10758.00 |  | 6.890% | $0.00 | 3 | DU |  | ApproveIneligible | N/A | No | 7.250% | 1 |  | 1 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 03/01/2055 | $924439.22 | 74.000% | No | 26 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 69.91 |  | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250975 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $1600.00 | $6201.55 |  | 7.388% | $9816.22 | $9816.22 | 7.375% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $30816.56 | 1 | $23293.80 | $2031.96 | $1941.15 | $169.33 |  |  |  |  |  | 43.715% | 43.715% | 43.715% | 11/27/2024 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $1600.00 |  | 6.760% | $0.00 | 2.5 | DU |  | ApproveIneligible | N/A | No | 7.375% | 2 | 2 | 2 | 0 | 0 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 02/01/2055 | $1380990.64 | 73.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 77.9 | Retail | No | No | [Redacted] | $0.00 | $28213.58 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250983 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6850.00 | $7682.00 |  | 7.567% | $7341.75 | $7341.75 | 7.500% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $17533.24 | 1 | $9520.80 | $1658.52 | $793.40 | $138.21 |  |  |  |  |  | 39.192% | 39.192% | 39.192% | 12/05/2024 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Employer Letter - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2024<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Account Transcripts - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Account Transcripts - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $6850.00 |  | 6.760% | $15000.00 | 1.9 | DU |  | ApproveIneligible | N/A | No | 7.500% | 0 | 0 | 2 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 02/01/2055 | $584660.55 | 42.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 24.6 | Retail | No | No | [Redacted] | $0.00 | $7083.34 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250973 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $15573.15 | $19635.46 |  | 6.447% | $4941.14 | $4941.14 | 6.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $14234.17 | 1 | $5231.28 | $2184.24 | $435.94 | $182.02 |  |  |  |  |  | 40.255% | 40.255% | 40.255% | 10/08/2024 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2024<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; Third Party Verification - 2024<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Borrower - \| Non-Primary Income - Partnership (>= 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - Farming]; 1040 - Schedule F - 2023<br> [Borrower - \| Non-Primary Income - Farming]; 1040 - Schedule F - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $15573.15 |  | 6.760% | $0.00 | 5 | DU |  | ApproveEligible | N/A | No | 6.250% | 2 |  | 2 | 0 | 3 | 3 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 03/01/2055 | $442049.57 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 68.68 |  | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250986 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $20381.73 | $26524.33 |  | 6.484% | $10532.41 | $10532.41 | 6.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $103001.36 | 1 | $7072.80 | $11844.00 | $589.40 | $987.00 |  |  |  |  |  | 11.887% | 11.887% | 11.887% | 01/05/2025 | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $20381.73 |  | 6.900% | $0.00 | 1 | DU |  | ApproveIneligible | N/A | No | 6.375% | 0 |  | 2 | 0 | 3 | 3 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 03/01/2055 |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 13.18 |  | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250991 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $3015.00 | $6402.65 |  | 7.020% | $6380.46 | $6380.46 | 6.990% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $31651.49 | 1 | $4399.20 | $3086.28 | $366.60 | $257.19 |  |  |  |  |  | 33.770% | 33.770% | 33.770% | 01/07/2025 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2024<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2024<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2025<br> [Borrower - \| Non-Primary Income - VA Service Related Disability]; Other - 2024 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $3015.00 |  | 7.070% | $1000.00 | 3.2 | DU |  | ApproveIneligible | N/A | No | 6.990% | 2 |  | 1 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 03/01/2055 | $607693.80 | 51.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 49.31 |  | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250988 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $12860.00 | $40207.18 |  | 6.270% | $7486.35 | $7486.35 | 5.990% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $42473.02 | 1 | $3673.32 | $12024.00 | $306.11 | $1002.00 |  |  |  |  |  | 33.087% | 33.087% | 33.087% | 01/08/2025 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Borrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $12860.00 |  | 6.920% | $0.00 | 1.4 | DU |  | ApproveIneligible | N/A | No | 5.990% | 1 |  | 2 | 0 | 3 | 3 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 03/01/2055 | $1870240.57 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 212.66 |  | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250977 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $30250.00 | $34155.86 |  | 7.558% | $11741.48 | $11741.48 | 7.375% | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $65329.57 | 1 | $39144.60 | $14051.04 | $3262.05 | $1170.92 |  |  |  |  |  | 31.183% | 31.183% | 31.183% | 12/13/2024 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2024<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; Transcripts (1040) - 2021<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; Transcripts (1040) - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $30250.00 |  | 6.690% | $0.00 | 1 | DU |  | ApproveIneligible | N/A | No | 7.375% | 0 | 0 | 2 | 0 | 3 | 3 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 03/01/2055 | $190401.30 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 12.7 |  | No | No | [Redacted] | $84702.42 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250994 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $21434.13 | $24750.56 |  | 7.018% | $9882.19 | $9882.19 | 6.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $38319.62 | 1 | $27437.52 | $2981.04 | $2286.46 | $248.42 |  |  |  |  |  | 42.471% | 42.471% | 42.471% | 01/28/2025 | 718 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $21434.13 |  | 6.920% | $0.00 | 2.4 | DU |  | ApproveIneligible | N/A | No | 6.875% | 2 | 0 | 2 | 0 | 3 | 2 |  |  |  | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 03/01/2055 | $567722.61 | 26.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 90.99 |  | No | No | [Redacted] | ($1122.13) | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250992 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $22052.57 | $12137.72 |  | 7.065% | $7178.02 | $7178.02 | 6.990% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $5856.65 | 1 | $4090.80 | $2640.00 | $340.90 | $220.00 |  |  |  |  |  | 44.352% | 44.352% | 44.352% | 12/20/2024 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Year End Summary - 2024 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Tax Return Extension - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Tax Return Extension - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Rocket Mortgage | $22052.57 |  | 6.920% | $15000.00 | 1 | DU |  | ApproveIneligible | N/A | No | 6.990% | 1 | 0 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  | Yes | Mixed | Not Tested |  | 03/01/2055 | $391222.63 | 29.000% | No |  | 25 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 16.49 |  | No | No | [Redacted] | $0.00 | $6940.74 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251046 |  |  | Non QM |  |  |  | Yes | No | $8576.00 | $12017.20 |  | 9.025% | $3052.40 | $3052.40 | 8.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $16362.09 | 1 | $2400.72 | $3484.44 | $200.06 | $290.37 |  |  |  |  |  | 35.467% | 35.467% | 35.467% | 01/17/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Borrower Prepared | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2021 | [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Account Transcripts - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $8576.00 |  | 6.870% | $0.00 | 1.8 |  |  |  | N/A | No | 8.750% | 3 |  | 2 | 0 | 2 | 2 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 44.93 | Retail | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251104 |  |  | Non QM |  |  |  | Yes | No | $1450.00 | $3483.44 |  | 7.161% | $5352.77 | $5352.77 | 7.125% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $373414.68 | 1 | $9457.44 | $1452.96 | $788.12 | $121.08 |  |  |  |  |  | 1.763% | 1.763% | 1.763% |  | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| 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 | [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]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $1450.00 |  | 6.620% | $0.00 | 2.6 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $2266669.61 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 320.17 | Retail |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251361 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $18295.00 | $6887.99 |  | 7.563% | $4698.72 | $4698.72 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $12347.86 | 1 | $6767.16 | $3201.36 | $563.93 | $266.78 |  |  |  |  |  | 43.770% | 43.770% | 43.770% | 03/04/2025 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2021<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2021 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $18295.00 |  | 6.730% | $0.00 | 4.3 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 05/01/2055 | $393871.00 | 46.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 36.01 |  | Yes | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251081 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1642.32 | $1642.32 | 6.875% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  | 1 | $8111.28 | $3258.96 | $675.94 | $271.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/04/2025 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 3 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.92 |  |  |  |  |  |  |  | 05/01/2055 | $5000.00 | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 5.16 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251435 |  |  | Non QM |  |  |  | Yes | No | $6767.75 | $3549.94 |  | 7.925% | $1253.72 | $1253.72 | 7.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $4352.26 | 1 | $2944.68 | $3075.96 | $245.39 | $256.33 |  |  |  |  |  | 49.707% | 49.707% | 49.707% | 02/24/2025 | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $6767.75 |  | 6.850% | $0.00 | 2.6 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 84.16 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250575 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2027.83 | $2027.83 | 7.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $1676.64 | $2406.96 | $139.72 | $200.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/26/2024 | 696 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ClearEdge Lending |  |  |  | $0.00 | 1.2 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.95 |  |  |  |  |  |  |  | 03/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 3.82 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250578 |  |  | N/A |  |  |  | No | No |  |  |  |  | $11748.53 | $11748.53 | 7.999% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $15129.48 | $1185.00 | $1260.79 | $98.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/13/2024 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ClearEdge Lending |  |  |  | $0.00 | 1.4 |  |  |  | N/A | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  | 240 | 03/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 6.66 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
|  | 20250573 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1702.24 | $1702.24 | 7.625% | No | No |  |  |  |  |  |  |  | Foreign National |  |  |  |  |  |  | 1 | $9028.56 | $1455.96 | $752.38 | $121.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | 03/01/2055 | $158485.00 | 43.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.55 |  |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | No | No |
|  | 20250588 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1695.31 | $1695.31 | 7.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $6111.96 | $3270.00 | $509.33 | $272.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/21/2025 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  | 240 | 03/01/2055 | $135320.53 | 36.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.22 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250591 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1481.41 | $1481.41 | 7.125% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $5477.04 | $2591.04 | $456.42 | $215.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/17/2025 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 | 2 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  | 240 | 03/01/2055 | $86282.39 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 42.7 |  |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250592 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2728.71 | $2728.71 | 7.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | $6872.40 | $4454.04 | $572.70 | $371.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/18/2024 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.87 |  |  |  |  |  |  |  | 03/01/2055 | $203172.41 | 41.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.49 |  |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250600 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1932.90 | $1932.90 | 7.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $8950.44 | $1607.52 | $745.87 | $133.96 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/15/2025 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.05 | 0.95 |  |  |  |  |  |  | 240 | 03/01/2055 | $179706.86 | 46.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 28.07 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250605 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1288.97 | $1288.97 | 7.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $5272.56 | $1699.56 | $439.38 | $141.63 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/27/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | 03/01/2055 | $60231.77 | 27.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 |  |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250606 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1609.48 | $1609.48 | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $1073.04 | $968.04 | $89.42 | $80.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/14/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.94 |  |  |  |  |  |  |  | 03/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 15.64 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250608 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2151.69 | $2151.69 | 7.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $4128.48 | $1296.12 | $344.04 | $108.01 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/08/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | 03/01/2055 | $213396.65 | 56.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 48.27 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250622 |  |  | N/A |  |  |  | No | No |  |  |  |  | $3418.84 | $3418.84 | 7.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 2 | $7477.20 | $3276.36 | $623.10 | $273.03 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/10/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.89 |  |  |  |  |  |  |  | 03/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 38.33 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250623 |  |  | N/A |  |  |  | No | No |  |  |  |  | $3626.04 | $3626.04 | 7.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 2 | $7727.04 | $2901.48 | $643.92 | $241.79 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/10/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | No | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.93 |  |  |  |  |  |  |  | 03/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 34.29 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250642 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1796.32 | $1796.32 | 7.000% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $296.04 | $807.00 | $24.67 | $67.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/07/2025 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 | 4.9 |  |  |  | No | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.53 | 0.65 |  |  |  |  |  |  |  | 03/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 136.21 |  |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250645 |  |  | N/A |  |  |  | No | No |  |  |  |  | $689.06 | $689.06 | 6.750% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  | 1 | $4044.84 | $883.20 | $337.07 | $73.60 |  |  |  |  |  | 0.000% | 0.000% | 0.000% |  | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 | 1.5 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 0.99 |  |  |  |  |  |  | 240 | 03/01/2055 | $1895.86 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 98.57 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250646 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2633.49 | $2633.49 | 8.000% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | $2650.92 | $5159.64 | $220.91 | $429.97 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/17/2025 | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | No | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 0.99 |  |  |  |  |  |  |  | 02/01/2065 | $3192.19 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 10 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 20250649 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2405.30 | $2405.30 | 7.500% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $2721.60 | $2376.96 | $226.80 | $198.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/16/2025 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.97 |  |  |  |  |  |  |  | 03/01/2055 | $11413.63 | 3.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 27.28 |  |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250654 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1050.02 | $1050.02 | 8.625% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $1406.76 | $1077.00 | $117.23 | $89.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/15/2025 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 | 2.2 |  |  |  | N/A | No | 8.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.39 | 0.72 |  |  |  |  |  |  |  | 03/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 24.2 |  |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250668 |  |  | N/A |  |  |  | No | No |  |  |  |  | $3389.98 | $3389.98 | 7.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $5887.56 | $831.96 | $490.63 | $69.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/02/2025 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 0.99 |  |  |  |  |  |  |  | 03/01/2055 | $4498.01 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 40.9 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250671 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2431.18 | $2431.18 | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | $9261.12 | $2869.44 | $771.76 | $239.12 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/17/2024 | 813 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.44 | 0.7 |  |  |  |  |  |  |  | 02/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 99.01 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250674 |  |  | N/A |  |  |  | No | No |  |  |  |  | $3185.07 | $3185.07 | 7.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 3 | $4838.40 | $2436.00 | $403.20 | $203.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/03/2024 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.51 | 0.65 |  |  |  |  |  |  |  | 03/01/2055 | $32188.22 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 28.66 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 20250675 |  |  | N/A |  |  |  | No | No |  |  |  |  | $3344.64 | $3344.64 | 8.250% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 2 | $5684.88 | $4119.00 | $473.74 | $343.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/13/2025 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | No | No | 8.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.88 |  |  |  |  |  |  |  | 03/01/2055 | $49436.18 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 29.81 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 20250676 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2995.99 | $2995.99 | 7.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 4 | $2446.08 | $1539.96 | $203.84 | $128.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/16/2024 | 740 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.92 |  |  |  |  |  |  |  | 03/01/2055 | $18185.88 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 11.44 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250702 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1113.75 | $1113.75 | 8.125% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $1345.68 | $1360.20 | $112.14 | $113.35 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/02/2024 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.95 |  |  |  |  |  |  |  | 03/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 7.75 |  |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250706 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1485.87 | $1485.87 | 8.000% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 4 | $1416.84 | $2226.00 | $118.07 | $185.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 10/10/2024 | 812 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | No | No | 8.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.73 | 0.57 |  |  |  |  |  |  |  | 03/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 14.7 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250572 |  |  | N/A |  |  |  | No | No | $30949.00 | $36333.83 |  | 7.954% | $9641.83 | $9641.83 | 7.750% | No | No | Self-Employed |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  | Netherlands |  |  | $28603.10 | 1 | $19846.20 | $6108.96 | $1653.85 | $509.08 |  |  |  |  |  | 38.380% | 38.380% | 38.380% | 12/06/2024 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| 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 - \| 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 - \| 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]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $30949.00 |  | 7.070% | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2065 | $17600.05 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Passport |  |  |  | No | 5.85 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250504 |  |  | Non QM |  |  |  | Yes | No | $10975.22 | $12331.64 |  | 7.584% | $1785.35 | $1785.35 | 7.125% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  | $4826.67 | 1 | $12457.92 | $8958.00 | $1038.16 | $746.50 |  |  |  |  |  | 44.653% | 44.653% | 44.653% | 12/18/2024 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% |  |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $10975.22 |  | 6.770% | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 68.61 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250576 |  |  | Non QM |  |  |  | Yes | No | $11649.00 | $15406.50 |  | 6.902% | $5707.66 | $5707.66 | 6.750% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $8725.22 | 1 | $11356.20 | $3426.48 | $946.35 | $285.54 |  |  |  |  |  | 44.801% | 44.801% | 44.801% | 12/17/2024 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Borrower - \| Primary Income - Social Security]; 1099-SSA - 2023<br> [Borrower - \| Non-Primary Income - Note Receivable]; Account Statements - 2024<br> [Borrower - \| Non-Primary Income - Note Receivable]; Other - 2022<br> [Borrower - \| Non-Primary Income - IRA Distribution]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2024<br> [Borrower - \| Non-Primary Income - Pension]; 1099-R - 2023<br> [Borrower - \| Non-Primary Income - Pension]; 1099 - 2023 |  | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $11649.00 |  | 6.930% | $0.00 |  |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2055 | $95712.08 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 11.28 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250577 |  |  | Non QM |  |  |  | Yes | No | $12290.79 | $14190.07 |  | 8.422% | $1892.43 | $1892.43 | 7.875% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $27035.16 | 1 | $1043.76 | $1163.04 | $86.98 | $96.92 |  |  |  |  |  | 9.563% | 9.563% | 9.563% | 12/30/2024 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| 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]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $12290.79 |  | 6.930% | $15000.00 | 1 |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2055 | $9154.79 | 3.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 7.57 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250580 |  |  | Non QM |  |  |  | Yes | No | $14799.00 | $7054.97 |  | 7.801% | $2463.12 | $2463.12 | 7.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $26025.14 | 1 | $8205.84 | $3345.96 | $683.82 | $278.83 |  |  |  |  |  | 24.638% | 24.638% | 24.638% | 01/10/2025 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2015<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2015 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $14799.00 |  | 6.980% | $3000.00 | 1.8 | DU |  | ApproveEligible | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2055 | $4000.00 | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.68 |  | Yes | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250582 |  |  | Non QM |  |  |  | Yes | No | $9269.00 | $13121.83 |  | 7.538% | $2865.14 | $2865.14 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $49944.28 | 1 | $11499.96 | $1686.96 | $958.33 | $140.58 |  |  |  |  |  | 14.306% | 14.306% | 14.306% | 01/16/2025 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 51.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 51.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $9269.00 |  | 6.930% | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2055 | $573270.76 | 62.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.64 |  | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250583 |  |  | Non QM |  |  |  | Yes | No | $17049.00 | $20764.69 |  | 7.308% | $4071.24 | $4071.24 | 6.999% | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $44804.14 | 1 | $10469.04 | $3338.28 | $872.42 | $278.19 |  |  |  |  |  | 11.062% | 11.062% | 11.062% | 01/14/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022 | [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $17049.00 |  | 7.070% | $14000.00 | 2.3 |  |  |  | N/A | No | 6.999% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2055 | $294650.37 | 39.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 23.68 |  |  | No | [Redacted] | $50376.99 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250584 |  |  | Non QM |  |  |  | Yes | No | $17499.00 | $24959.26 |  | 7.209% | $6984.97 | $6984.97 | 6.999% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $25184.08 | 1 | $18750.00 | $2028.96 | $1562.50 | $169.08 |  |  |  |  |  | 38.176% | 38.176% | 38.176% | 01/07/2025 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 95.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 95.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $17499.00 |  | 6.980% | $30000.00 | 1 | DU |  | ApproveEligible | N/A | No | 6.999% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2055 | $518368.85 | 35.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.67 |  | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250585 |  |  | Non QM |  |  |  | Yes | No | $13103.07 | $8113.70 |  | 10.323% | $2415.31 | $2415.31 | 9.999% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $160421.25 | 1 | $3792.96 | $6141.24 | $316.08 | $511.77 |  |  |  |  |  | 3.848% | 3.848% | 3.848% | 01/03/2025 | 671 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| 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 - \| 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 - \| 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 - \| 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 - \| 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 - \| 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 - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2022 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | 0 | 0 |  |  | ClearEdge Lending | $13103.07 |  | 7.070% | $0.00 |  |  |  |  | N/A | No | 9.999% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.96 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250586 |  |  | Non QM |  |  |  | Yes | No | $23969.00 | $37569.42 |  | 7.895% | $14027.50 | $17831.00 | 7.750% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $88373.93 | 1 | $33937.56 | $3414.96 | $2828.13 | $284.58 |  |  |  |  |  | 25.505% | 22.299% | 25.505% | 01/13/2025 | 785 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| 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 - \| 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 - \| 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 - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2015 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $23969.00 |  | 6.930% | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | 03/01/2055 | $740702.25 | 27.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 19.73 |  | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250589 |  |  | N/A |  |  |  | No | No | $35595.50 | $39551.38 |  | 8.807% | $8861.25 | $10856.47 | 8.500% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $41288.91 | 1 | $4983.36 | $3092.04 | $415.28 | $257.67 |  |  |  |  |  | 39.007% | 36.060% | 39.007% | 11/27/2024 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 36 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| 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 - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $35595.50 |  | 7.070% | $0.00 |  |  |  |  | N/A | No | 8.500% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | 03/01/2055 | $271674.88 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 29.83 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250590 |  |  | N/A |  |  |  | No | No | $6486.93 | $8966.43 |  | 7.802% | $2092.01 | $2092.01 | 7.500% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $24206.65 | 1 | $5609.88 | $851.16 | $467.49 | $70.93 |  |  |  |  |  | 44.063% | 44.063% | 44.063% | 01/21/2025 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<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 |  |  | ClearEdge Lending | $6486.93 |  | 7.070% | $7500.00 | 1 |  |  |  | N/A | No | 7.500% | 2 | 2 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2055 | $637972.14 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 165.51 |  | Yes | No | [Redacted] | $0.00 | $27083.33 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250594 |  |  | Non QM |  |  |  | Yes | No | $20749.00 | $24743.71 |  | 7.203% | $4598.50 | $4598.50 | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $44682.28 | 1 | $9698.04 | $2616.24 | $808.17 | $218.02 |  |  |  |  |  | 15.670% | 15.670% | 15.670% | 01/21/2025 | 761 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| 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 - \| 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 - \| 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 - \| 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 - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $20749.00 |  | 6.930% | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2055 | $650523.81 | 55.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 33.16 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250595 |  |  | Non QM |  |  |  | Yes | No | $9983.38 | $4680.34 |  | 7.429% | $4273.55 | $4273.55 | 7.375% | No | No | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $45934.14 | 1 | $5268.36 | $1533.00 | $439.03 | $127.75 |  |  |  |  |  | 11.646% | 11.646% | 11.646% | 01/21/2025 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $9983.38 |  | 7.070% | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | 03/01/2055 | $4566790.90 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 894.74 |  | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250598 |  |  | Non QM |  |  |  | Yes | No | $8149.00 | $9831.91 |  | 7.278% | $2128.75 | $2128.75 | 6.999% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $16166.83 | 1 | $4974.72 | $3036.00 | $414.56 | $253.00 |  |  |  |  |  | 31.843% | 31.843% | 31.843% | 01/21/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2018<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $8149.00 |  | 7.070% | $0.00 | 1 |  |  |  | N/A | No | 6.999% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2055 | $56604.76 | 14.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10 |  | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250599 |  |  | Non QM |  |  |  | Yes | No | $13989.65 | $19397.47 |  | 8.546% | $7088.76 | $7088.76 | 8.375% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $17867.45 | 1 | $2601.96 | $4978.56 | $216.83 | $414.88 |  |  |  |  |  | 44.832% | 44.832% | 44.832% | 02/02/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2023<br> [Borrower - \| Non-Primary Income - K-1 (< 25%)]; K-1 - 2022<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; Other - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1099 - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $13989.65 |  | 6.930% | $31088.10 |  |  |  |  | N/A | No | 8.375% | 1 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2055 | $152494.82 | 15.000% | No | 33 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 13.45 |  | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250601 |  |  | Non QM |  |  |  | Yes | No | $12658.38 | $15710.38 |  | 9.443% | $4275.64 | $4275.64 | 9.125% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  | $7091.85 | 1 | $5978.16 | $2271.96 | $498.18 | $189.33 |  |  |  |  |  | 47.561% | 47.561% | 47.561% | 01/21/2025 | 647 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| 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 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $12658.38 |  | 6.930% | $10000.00 | 1.2 |  |  |  | N/A | No | 9.125% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2055 | $225284.54 | 31.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 4.1 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250603 |  |  | Non QM |  |  |  | Yes | No | $12749.00 | $18465.86 |  | 7.518% | $4447.79 | $4447.79 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $13748.84 | 1 | $9081.60 | $420.00 | $756.80 | $35.00 |  |  |  |  |  | 32.898% | 32.898% | 32.898% | 01/24/2025 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2023 |  | Full Documentation (F) | 2yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $12749.00 |  | 6.930% | $17000.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | 03/01/2055 | $215818.09 | 26.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.24 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250604 |  |  | Non QM |  |  |  | Yes | No | $63436.50 | $66432.07 |  | 6.819% | $8910.42 | $10397.52 | 6.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $16092.50 | 1 | $10285.08 | $15835.56 | $857.09 | $1319.63 |  |  |  |  |  | 43.864% | 38.676% | 43.864% | 02/07/2025 | 756 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal, Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| 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 - \| 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 - \| 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 - \| 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 - \| 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 - \| 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 - \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $63436.50 |  | 6.930% | $0.00 | 5 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 | 12 | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 360 | 03/01/2065 | $31669.07 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 11.87 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250607 |  |  | Non QM |  |  |  | Yes | No | $10249.00 | $12165.13 |  | 7.017% | $2756.54 | $2756.54 | 6.750% | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $4414.69 | 1 | $6872.40 | $1914.72 | $572.70 | $159.56 |  |  |  |  |  | 44.368% | 44.368% | 44.368% | 01/28/2025 | 823 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Primary Income - Social Security]; 1099-SSA - 2024<br> [Borrower - \| Primary Income - Social Security]; 1099-SSA - 2023<br> [Borrower - \| Non-Primary Income - Note Receivable]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Note Receivable]; Note - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099-SSA - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; 1099-SSA - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $10249.00 |  | 6.930% | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2055 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 65.8 |  |  | No | [Redacted] | $1049.63 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250609 |  |  | Non QM |  |  |  | Yes | No | $42249.00 | $45546.50 |  | 7.672% | $18878.79 | $18878.79 | 7.500% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $64340.37 | 1 | $42187.56 | $13577.16 | $3515.63 | $1131.43 |  |  |  |  |  | 38.647% | 38.647% | 38.647% | 01/28/2025 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 36 | Business | 100.000% | 100.000% | 100.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2015<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - 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) - \| Non-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) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [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 |  |  | ClearEdge Lending | $42249.00 |  | 6.930% | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2055 | $800327.59 | 24.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 10.21 |  | No | No | [Redacted] | $52455.16 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250612 |  |  | Non QM |  |  |  | Yes | No | $27844.00 | $39289.46 |  | 9.450% | $16042.17 | $16042.17 | 9.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $377724.65 | 1 | $32499.96 | $4962.00 | $2708.33 | $413.50 |  |  |  |  |  | 11.972% | 11.972% | 11.972% | 01/30/2025 | 647 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| 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 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $27844.00 |  | 6.930% | $26000.00 | 1 |  |  |  | N/A | No | 9.250% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2055 | $978023.42 | 38.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.34 |  | Yes | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250618 |  |  | Non QM |  |  |  | Yes | No | $7500.00 | $445.53 |  | 8.776% | $3933.50 | $3933.50 | 8.750% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $7536.37 | 1 | $11311.44 | $3471.96 | $942.62 | $289.33 |  |  |  |  |  | 41.928% | 41.928% | 41.928% | 11/26/2024 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2019<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2019<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2019<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2019 | [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 |  |  | ClearEdge Lending | $7500.00 |  | 6.930% | $0.00 | 1.2 |  |  |  | N/A | No | 8.750% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 02/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 23.31 |  |  | No | [Redacted] | $6488.86 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250621 |  |  | Non QM |  |  |  | Yes | No | $2270.00 | $12744.06 |  | 8.389% | $13679.17 | $16854.59 | 8.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $38115.20 | 1 | $21013.20 | $16910.04 | $1751.10 | $1409.17 |  |  |  |  |  | 37.980% | 32.813% | 37.980% | 12/30/2024 | 713 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| 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 - \| 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 - \| 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 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $2270.00 |  | 6.980% | $0.00 | 1 |  |  |  | No | No | 8.375% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | 03/01/2055 | $1083016.51 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 64.88 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250624 |  |  | Non QM |  |  |  | Yes | No | $15382.70 | $16218.75 |  | 8.428% | $2940.93 | $2940.93 | 8.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $4789.68 | 1 | $3884.88 | $2457.96 | $323.74 | $204.83 |  |  |  |  |  | 45.710% | 45.710% | 45.710% | 12/25/2024 | 692 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $15382.70 |  | 6.980% | $0.00 | 2.6 |  |  |  | N/A | No | 8.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2055 | $148135.55 | 30.000% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 26.07 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250632 |  |  | Non QM |  |  |  | Yes | No | $30270.00 | $31753.87 |  | 7.219% | $9480.56 | $9480.56 | 7.000% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $27566.05 | 1 | $44461.20 | $10218.96 | $3705.10 | $851.58 |  |  |  |  |  | 40.774% | 40.774% | 40.774% | 12/16/2024 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2024<br> [Borrower - \| Primary Income - Wages]; Year End Summary - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2022<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2024<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2024<br> [Borrower - \| Non-Primary Income - Asset Depletion]; Account Statements - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Non-Primary Income - Asset Depletion]; Account Statements - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $30270.00 |  | 6.980% | $4500.00 | 2 |  |  |  | No | No | 7.000% | 2 | 1 | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  |  | 02/01/2055 | $475030.15 | 16.000% | No | 35 | 3 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 112.04 |  | No | No | [Redacted] | $19824.43 | $12500.02 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250643 |  |  | Non QM |  |  |  | Yes | No | $11607.50 | $14030.88 |  | 7.869% | $2622.05 | $2622.05 | 7.500% | No | No | Not Employed | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  | $81556.23 | 1 | $13848.48 | $2403.00 | $1154.04 | $200.25 |  |  |  |  |  | 13.073% | 13.073% | 13.073% | 11/06/2024 | 726 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 33.330% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2021 | [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $11607.50 |  | 6.980% | $0.00 | 1.1 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 87.27 |  |  | No | [Redacted] | $93821.29 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250644 |  |  | Non QM |  |  |  | Yes | No | $4553.28 | $6296.39 |  | 7.881% | $1202.65 | $1202.65 | 7.500% | No | Yes | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $190455.47 | 1 | $3613.68 | $2568.96 | $301.14 | $214.08 |  |  |  |  |  | 5.715% | 5.715% | 5.715% |  | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024 | [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $4553.28 |  | 6.980% | $0.00 | 1 |  |  |  | No | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 02/01/2055 | $60909.97 | 28.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 52.55 |  | No | No | [Redacted] | $202000.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250647 |  |  | Non QM |  |  |  | Yes | No | $9743.00 | $11492.32 |  | 7.807% | $1768.13 | $1768.13 | 7.375% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $6083.56 | 1 | $2929.56 | $2508.96 | $244.13 | $209.08 |  |  |  |  |  | 34.479% | 34.479% | 34.479% |  | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.000% | 100.000% | 100.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  | 2 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $9743.00 |  | 6.980% | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2055 | $0.00 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 44 |  |  | No | [Redacted] | $4114.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250660 |  |  | Non QM |  |  |  | Yes | No | $21495.00 | $8703.88 |  | 8.545% | $7766.03 | $7766.03 | 8.500% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $23594.73 | 1 | $16295.28 | $4275.60 | $1357.94 | $356.30 |  |  |  |  |  | 31.801% | 31.801% | 31.801% | 12/18/2024 | 728 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; P&L Statement - 2024<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Borrower - \| Non-Primary Income - Sole Proprietor]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2022<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Non-Primary Income - S-Corp (>= 25%)]; K-1 - 2023 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $21495.00 |  | 6.890% | $0.00 | 1 |  |  |  | N/A | No | 8.500% | 1 | 2 | 1 | 0 | 2 | 1 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 105.46 |  |  | No | [Redacted] | $10088.29 | $13190.67 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250680 |  |  | Non QM |  |  |  | Yes | No | $16954.98 | $18629.83 |  | 7.745% | $3529.35 | $3529.35 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $4909.47 | 2 | $3049.44 | $2526.72 | $254.12 | $210.56 |  |  |  |  |  | 47.501% | 47.501% | 47.501% | 11/01/2024 | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025 |  | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $16954.98 |  | 6.930% | $0.00 |  |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 39.95 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250681 |  |  | Non QM |  |  |  | Yes | No | $5195.00 | $4366.70 |  | 7.770% | $937.50 | $1208.39 | 7.500% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $18603.87 | 1 | $15281.76 | $6067.80 | $1273.48 | $505.65 |  |  |  |  |  | 39.945% | 39.070% | 39.945% | 01/27/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2024<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $5195.00 |  | 6.930% | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  | 240 | 03/01/2055 | $1860666.46 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 685.12 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250688 |  |  | Non QM |  |  |  | Yes | No | $4180.75 | $6268.38 |  | 9.004% | $1282.58 | $1282.58 | 8.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $2766.13 | 1 | $4861.68 | $1773.00 | $405.14 | $147.75 |  |  |  |  |  | 45.318% | 45.318% | 45.318% | 01/09/2025 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  | 1 |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $4180.75 |  | 6.930% | $5696.32 | 1.7 |  |  |  | N/A | No | 8.625% | 0 |  | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2055 | $39333.13 | 20.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.24 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250691 |  |  | Non QM |  |  |  | Yes | No | $4945.00 | $8406.41 |  | 7.369% | $1967.26 | $1967.26 | 7.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $408670.58 | 1 | $6640.80 | $1791.00 | $553.40 | $149.25 |  |  |  |  |  | 3.238% | 3.238% | 3.238% | 01/07/2025 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| 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 - \| 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 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $4945.00 |  | 6.930% | $0.00 | 1 |  |  |  | Yes | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2055 | $173043.30 | 46.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 69.17 |  | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250700 |  |  | Non QM |  |  |  | Yes | No | $1770.00 | $9795.84 |  | 7.713% | $5096.11 | $5096.11 | 7.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $13492.70 | 1 | $21723.48 | $1243.20 | $1810.29 | $103.60 |  |  |  |  |  | 46.568% | 46.568% | 46.568% | 12/10/2024 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| 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 - \| 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 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $1770.00 |  | 6.900% | $0.00 | 1 |  |  |  | No | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 42.07 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251360 |  |  | Non QM |  |  |  | Yes | No | $18379.00 | $22174.00 |  | 8.234% | $4350.42 | $4350.42 | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $7755.10 | 1 | $10735.08 | $2625.96 | $894.59 | $218.83 |  |  |  |  |  | 44.901% | 44.901% | 44.901% | 02/04/2025 | 697 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 78.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $18379.00 |  | 6.620% | $0.00 | 1 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $0.00 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 33.91 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250844 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10987.95 | $12721.19 |  | 7.802% | $2810.14 | $2810.14 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $9733.36 | 1 | $4373.52 | $1524.36 | $364.46 | $127.03 |  |  |  |  |  | 47.698% | 47.698% | 47.698% | 02/17/2025 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| 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 - 2025<br> [Borrower - \| 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 - 2025<br> [Borrower - \| 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 - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| 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 - 2025<br> [Borrower - \| 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 - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $10987.95 |  | 6.620% | $0.00 | 4 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  | Not Stated |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 52.81 |  | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251387 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2558.74 | $2558.74 | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $4942.20 | $1031.04 | $411.85 | $85.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/26/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 2.7 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | 05/01/2055 | $21285.51 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | Yes | 7.8 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250846 |  |  | Non QM |  |  |  | Yes | No | $1640.00 | $3441.52 |  | 7.296% | $4775.23 | $4775.23 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $42795.91 | 1 | $12336.60 | $1868.04 | $1028.05 | $155.67 |  |  |  |  |  | 12.323% | 12.323% | 12.323% | 02/07/2025 | 816 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| 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 - \| 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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $1640.00 |  | 6.880% | $9875.00 | 2 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2055 | $281932.98 | 32.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 53.11 | Retail |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251001 |  |  | Non QM |  |  |  | Yes | No | $10295.00 | $12870.50 |  | 8.452% | $2672.99 | $2672.99 | 8.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $51473.97 | 1 | $6946.32 | $1989.00 | $578.86 | $165.75 |  |  |  |  |  | 9.786% | 9.786% | 9.786% | 01/07/2025 | 712 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| 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 - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2022 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | HomeBridge | $10295.00 |  | 6.730% | $0.00 | 3.1 |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 42.03 | Broker |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251013 |  |  | Non QM |  |  |  | Yes | No | $2560.50 | $4857.50 |  | 8.263% | $1952.77 | $1952.77 | 8.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $13166.75 | 1 | $4738.68 | $1847.04 | $394.89 | $153.92 |  |  |  |  |  | 43.401% | 43.401% | 43.401% | 02/07/2025 | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| 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 - \| 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 - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 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]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $2560.50 |  | 6.920% | $0.00 | 1.9 |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $59011.95 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 23.59 | Retail | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250968 |  |  | Non QM |  |  |  | Yes | No | $2067.25 | $6141.35 |  | 7.556% | $1227.92 | $1227.92 | 7.250% | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $12291.81 | 1 | $4328.40 | $1295.04 | $360.70 | $107.92 |  |  |  |  |  | 26.013% | 26.013% | 26.013% | 02/19/2025 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2019 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $2067.25 |  | 6.880% | $2500.00 | 3.6 |  |  |  | No | No | 7.250% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $20000.00 | 6.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 14.47 | Retail | No | No | [Redacted] | $16613.36 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250837 |  |  | Non QM |  |  |  | Yes | No | $15716.57 | $17752.82 |  | 8.248% | $3387.52 | $3387.52 | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $53541.11 | 1 | $3969.12 | $1148.04 | $330.76 | $95.67 |  |  |  |  |  | 8.287% | 8.287% | 8.287% | 02/13/2025 | 692 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | HomeBridge | $15716.57 |  | 6.870% | $0.00 | 2.8 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $6500.00 | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.8 | Broker | Yes | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251038 |  |  | Non QM |  |  |  | Yes | No | $1640.00 | $3419.75 |  | 6.926% | $2791.95 | $2791.95 | 6.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $9020.52 | 1 | $12952.56 | $2072.88 | $1079.38 | $172.74 |  |  |  |  |  | 37.844% | 37.844% | 37.844% | 02/27/2025 | 814 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022 | [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]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $1640.00 |  | 6.850% | $0.00 | 3.5 |  |  |  | N/A | No | 6.875% | 3 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $81679.45 |  | No | 25 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 20.2 | Retail |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251044 |  |  | Non QM |  |  |  | Yes | No | $1640.00 | $8916.16 |  | 7.800% | $7221.44 | $7221.44 | 7.750% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $387893.34 | 1 | $30066.12 | $1386.96 | $2505.51 | $115.58 |  |  |  |  |  | 17.261% | 17.261% | 17.261% | 02/07/2025 | 669 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 80.000% |  |  | [Borrower - \| 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 - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 80.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| 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 - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $1640.00 |  | 6.620% | $25000.00 | 1 |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $541368.68 | 38.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 22.32 | Retail | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250817 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $6101.00 | $10577.94 |  | 7.301% | $1551.99 | $1551.99 | 6.875% | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $7234.36 | 1 | $3636.00 | $748.08 | $303.00 | $62.34 |  |  |  |  |  | 37.104% | 37.104% | 37.104% | 02/11/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Annuity]; 1099 - 2024<br> [Coborrower(s) - \| Primary Income - Pension]; Award Letter / Continuance Letter - 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]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $6101.00 |  | 6.880% | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | 04/01/2055 | $1672823.98 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 696.78 | Retail | No | No | [Redacted] | $6533.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251103 |  |  | Non QM |  |  |  | Yes | No | $14615.00 | $16114.26 |  | 8.451% | $2751.62 | $2751.62 | 8.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $14330.73 | 1 | $7027.32 | $3187.08 | $585.61 | $265.59 |  |  |  |  |  | 41.115% | 41.115% | 41.115% | 12/03/2024 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Audited P&L - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $14615.00 |  | 6.730% | $0.00 | 1.1 |  |  |  | N/A | No | 8.000% | 0 |  | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 50.34 | Retail | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250963 |  |  | Non QM |  |  |  | Yes | No | $5597.25 | $6680.65 |  | 8.735% | $1409.93 | $1409.93 | 8.375% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $4724.93 | 1 | $1967.16 | $1103.52 | $163.93 | $91.96 |  |  |  |  |  | 33.989% | 33.989% | 33.989% | 02/21/2025 | 644 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Interest / Dividends]; Account Statements - 2025<br> [Borrower - \| Primary Income - Interest / Dividends]; Other - 2024<br> [Borrower - \| Primary Income - Interest / Dividends]; Other - 2023<br> [Borrower - \| Primary Income - Interest / Dividends]; Other - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $5597.25 |  | 6.880% | $0.00 | 1 |  |  |  | N/A | No | 8.375% | 0 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 28.84 | Retail |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251298 |  |  | Non QM |  |  |  | Yes | No | $2023.97 | $4135.97 |  | 9.950% | $3751.27 | $3751.27 | 9.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $8239.29 | 1 | $9389.52 | $921.00 | $782.46 | $76.75 |  |  |  |  |  | 40.788% | 40.788% | 40.788% | 02/19/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $2023.97 |  | 6.620% | $0.00 | 1 |  |  |  | N/A | No | 9.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $42913.26 | 9.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.36 | Retail |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251052 |  |  | Non QM |  |  |  | Yes | No | $1640.00 | $3317.64 |  | 7.296% | $3694.67 | $3694.67 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $35471.65 | 1 | $10838.64 | $5313.96 | $903.22 | $442.83 |  |  |  |  |  | 15.392% | 15.392% | 15.392% | 03/03/2025 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| 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 - \| 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 - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $1640.00 |  | 6.730% | $152500.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $29839.11 | 4.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.87 | Retail |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251087 |  |  | Non QM |  |  |  | Yes | No | $1640.00 | $3356.26 |  | 6.588% | $1880.40 | $1880.40 | 6.500% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  | $3805.60 | 1 | $3500.04 | $1058.04 | $291.67 | $88.17 |  |  |  |  |  | 45.655% | 45.655% | 45.655% | 02/14/2025 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $1640.00 |  | 6.730% | $4042.50 | 2.6 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $88214.05 | 25.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 14.37 | Retail |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251042 |  |  | Non QM |  |  |  | Yes | No | $1650.00 | $5182.90 |  | 8.018% | $9186.73 | $9186.73 | 8.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $28839.07 | 1 | $17606.04 | $10164.36 | $1467.17 | $847.03 |  |  |  |  |  | 33.269% | 33.269% | 33.269% | 02/17/2025 | 680 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | New American Funding | $1650.00 |  | 6.850% | $0.00 | 5 |  |  |  | N/A | No | 8.000% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $635562.11 | 41.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 28.41 | Retail |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250813 |  |  | Non QM |  |  |  | Yes | No | $36214.88 | $36993.26 |  | 7.604% | $5305.53 | $5305.53 | 7.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $16676.17 | 1 | $11955.36 | $9776.04 | $996.28 | $814.67 |  |  |  |  |  | 43.712% | 43.712% | 43.712% | 01/24/2025 | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $36214.88 |  | 6.650% | $0.00 | 1.4 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 49.67 | Retail |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251058 |  |  | Non QM |  |  |  | Yes | No | $4273.20 | $8806.90 |  | 7.702% | $2964.67 | $2964.67 | 7.500% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $17681.63 | 1 | $8015.04 | $1486.44 | $667.92 | $123.87 |  |  |  |  |  | 31.806% | 31.806% | 31.806% | 12/19/2024 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| 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 - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; 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 |  |  | Cross Country | $4273.20 |  | 6.730% | $7500.00 | 1 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $165109.60 | 31.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 12.1 | Retail | Yes | No | [Redacted] | $12964.30 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251096 |  |  | Non QM |  |  |  | Yes | No | $2025.25 | $3857.72 |  | 7.432% | $1313.19 | $1313.19 | 7.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $12186.44 | 1 | $3822.96 | $1279.80 | $318.58 | $106.65 |  |  |  |  |  | 39.454% | 39.454% | 39.454% |  | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; WVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $2025.25 |  | 6.730% | $7200.00 | 5 |  |  |  | N/A | No | 7.250% | 3 | 3 | 1 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $81968.23 | 30.000% | No | 26 | 26 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 14.1 | Retail | No | No | [Redacted] | $0.00 | $12594.67 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251053 |  |  | Non QM |  |  |  | Yes | No | $1790.00 | $4218.10 |  | 6.803% | $4929.35 | $4929.35 | 6.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $25559.32 | 1 | $4628.04 | $2354.04 | $385.67 | $196.17 |  |  |  |  |  | 24.663% | 24.663% | 24.663% | 02/18/2025 | 742 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 48 | Business | 100.000% | 100.000% |  |  | [Borrower - \| 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 - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| 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 - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | New American Funding | $1790.00 |  | 6.730% | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $2035.83 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 139.41 | Retail | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251080 |  |  | Non QM |  |  |  | Yes | No | $2381.56 | $3784.22 |  | 7.725% | $2555.14 | $2555.14 | 7.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $12949.10 | 1 | $7262.52 | $3308.64 | $605.21 | $275.72 |  |  |  |  |  | 36.237% | 36.237% | 36.237% | 03/06/2025 | 662 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $2381.56 |  | 6.730% | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $146618.34 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 57.91 | Retail |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251019 |  |  | Non QM |  |  |  | Yes | No | $20895.00 | $21877.35 |  | 8.618% | $7429.71 | $7429.71 | 8.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $47849.14 | 1 | $6392.28 | $3651.00 | $532.69 | $304.25 |  |  |  |  |  | 20.283% | 20.283% | 20.283% | 02/14/2025 | 790 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2017<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2017 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $20895.00 |  | 6.620% | $0.00 | 1 |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $257038.75 | 22.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.77 | Retail |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250824 |  |  | Non QM |  |  |  | Yes | No | $1640.00 | $3573.83 |  | 6.934% | $3284.64 | $3284.64 | 6.875% | No | No | Not Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $122644.98 | 1 | $18108.72 | $5121.72 | $1509.06 | $426.81 |  |  |  |  |  | 7.551% | 7.551% | 7.551% |  | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2022 | [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]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $1640.00 |  | 6.730% | $0.00 | 3 |  |  |  | N/A | No | 6.875% | 0 | 3 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $5194718.69 | 100.000% | Yes |  | 25 |  |  | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 510.71 | Retail | No | No | [Redacted] | $0.00 | $132662.53 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251085 |  |  | Non QM |  |  |  | Yes | No | $3043.75 | $3591.69 |  | 7.432% | $2201.53 | $2201.53 | 7.375% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $200062.34 | 1 | $2359.20 | $1212.96 | $196.60 | $101.08 |  |  |  |  |  | 9.329% | 9.329% | 9.329% | 03/05/2025 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2016 | [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]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $3043.75 |  | 6.730% | $8500.00 | 2.6 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $158985.75 | 37.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 19.19 | Retail | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251060 |  |  | Non QM |  |  |  | Yes | No | $2025.25 | $5389.93 |  | 7.403% | $2319.40 | $2319.40 | 7.250% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $4896.23 | 1 | $4436.40 | $2120.04 | $369.70 | $176.67 |  |  |  |  |  | 42.828% | 42.828% | 42.828% | 02/27/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [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 |  |  | Arc | $2025.25 |  | 6.730% | $0.00 | 1.4 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $758071.07 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 197.33 | Retail |  | No | [Redacted] | $4282.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251026 |  |  | Non QM |  |  |  | Yes | No | $2390.00 | $3717.66 |  | 7.816% | $1390.52 | $1390.52 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $17205.38 | 1 | $6399.96 | $1887.00 | $533.33 | $157.25 |  |  |  |  |  | 28.186% | 28.186% | 28.186% | 03/20/2025 | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 99.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 99.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2009 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [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 |  |  | Arc | $2390.00 |  | 6.230% | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2040 | $539174.48 | 84.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.65 | Retail |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251065 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1097.26 | $1097.26 | 7.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $2263.08 | $599.04 | $188.59 | $49.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/15/2025 | 778 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.84 |  |  |  |  |  |  |  | 04/01/2055 | $66501.92 | 30.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5.92 | Retail |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251097 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2192.26 | $2192.26 | 6.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $5075.52 | $2210.04 | $422.96 | $184.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/07/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 04/01/2055 |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 32.41 | Retail |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251061 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1583.78 | $1583.78 | 6.500% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  | 1 | $4610.76 | $1225.20 | $384.23 | $102.10 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/06/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | First Colony Mortgage |  |  |  | $0.00 | 1.5 |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 240 | 04/01/2055 | $219188.91 | 60.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 82.33 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
|  | 20251002 |  |  | N/A |  |  |  | No | No | $14971.13 |  |  | 7.812% | $3446.07 | $3446.07 | 7.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $11414.11 | 1 | $10513.80 | $381.00 | $876.15 | $31.75 |  |  |  |  |  | 27.911% | 27.911% | 27.911% | 11/27/2024 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024 | [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2020<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | First Colony Mortgage Corporation | $14971.13 |  | 6.880% | $12425.00 | 999 |  |  |  | N/A | No | 7.875% | 1 |  | 0 | 0 | 4 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $222637.26 | 35.000% | No | 3 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 8.72 | Retail |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250574 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1073.85 | $1073.85 | 8.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $1228.44 | $1395.00 | $102.37 | $116.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/03/2025 | 664 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | 03/01/2055 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 98.26 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250597 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1311.98 | $1311.98 | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $4294.20 | $908.04 | $357.85 | $75.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/20/2025 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 240 | 03/01/2055 |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 57.58 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 20250626 |  |  | Non QM |  |  |  | Yes | No | $23606.76 | $13956.79 |  | 8.114% | $3590.54 | $3590.54 | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $78701.54 | 1 | $11013.12 | $1508.04 | $917.76 | $125.67 |  |  |  |  |  | 6.920% | 6.920% | 6.920% | 01/24/2025 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| 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 - \| 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 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $23606.76 |  | 6.980% | $0.00 | 1.5 |  |  |  | Yes | No | 7.875% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2055 | $41280.40 | 7.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 15.34 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251422 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $33295.00 | $38434.39 |  | 6.845% | $10180.94 | $10180.94 | 6.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $106238.66 | 1 | $44726.76 | $5436.96 | $3727.23 | $453.08 |  |  |  |  |  | 16.156% | 16.156% | 16.156% | 03/13/2025 | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 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 Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $33295.00 |  | 6.620% | $0.00 | 4.2 |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 55.86 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251411 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $17853.13 | $20301.93 |  | 8.119% | $5906.76 | $5906.76 | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $68071.24 | 1 | $19174.80 | $1550.40 | $1597.90 | $129.20 |  |  |  |  |  | 26.077% | 26.077% | 26.077% | 01/14/2025 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 30.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2016<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 30.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2013 | [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 Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 0 | 0 |  |  | Arc | $17853.13 |  | 6.620% | $0.00 | 1.7 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | No |  |  |  | 05/01/2055 | $828127.65 | 81.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 97.48 |  | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251277 |  |  | N/A |  |  |  | No | No |  |  |  |  | $5531.36 | $5531.36 | 6.625% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 3 | $10446.84 | $2805.00 | $870.57 | $233.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/28/2025 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.36 | 0.74 |  |  |  |  |  |  |  | 05/01/2040 | $848338.95 | 59.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 9.96 |  |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251307 |  |  | N/A |  |  |  | No | No |  |  |  |  | $4244.43 | $4244.43 | 7.125% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $18417.12 | $2381.64 | $1534.76 | $198.47 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/30/2024 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.6 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | 05/01/2055 | $122599.42 | 13.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 37.85 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251296 |  |  | N/A |  |  |  | No | No |  |  |  |  | $4736.46 | $4736.46 | 6.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 2 | $5062.44 | $3192.00 | $421.87 | $266.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/12/2025 | 809 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.2 | 0.83 |  |  |  |  |  |  |  | 05/01/2055 | $658734.69 | 59.000% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 40.19 |  |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251254 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1898.52 | $1898.52 | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $11807.04 | $1379.04 | $983.92 | $114.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/18/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 05/01/2055 | $156382.33 | 42.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.62 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 20251439 |  |  | N/A |  |  |  | No | No |  |  |  |  | $4080.68 | $4080.68 | 7.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $9316.92 | $5901.96 | $776.41 | $491.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/27/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  |  |  |  |  | 05/01/2055 | $443237.06 | 62.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 52.65 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251101 |  |  | Non QM |  |  |  | Yes | No | $1695.00 | $4382.79 |  | 7.395% | $9531.32 | $9531.32 | 7.375% | No | No | Employed | Employed |  |  |  |  | Non-Permanent Resident Alien | Non-Permanent Resident Alien |  |  | India |  |  | $16876.37 | 1 | $21562.56 | $1543.32 | $1796.88 | $128.61 |  |  |  |  |  | 47.358% | 47.358% | 47.358% | 03/06/2025 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | New American Funding | $1695.00 |  | 6.620% | $320000.00 | 1 |  |  |  | N/A | No | 7.375% | 1 | 1 | 2 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $148421.22 | 9.000% | No |  | 26 |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | VISA | VISA |  |  |  | 8.44 | Retail | No | No | [Redacted] | $0.00 | $12333.34 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251056 |  |  | Non QM |  |  |  | Yes | No | $12904.49 | $13570.49 |  | 6.955% | $1820.36 | $1820.36 | 6.500% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $2686.18 | 1 | $1957.80 | $1133.04 | $163.15 | $94.42 |  |  |  |  |  | 49.535% | 49.535% | 49.535% | 01/29/2025 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Other - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Other - 2025<br> [Borrower - \| Non-Primary Income - Foster Care]; Other - 2025<br> [Borrower - \| Non-Primary Income - Foster Care]; Award Letter / Continuance Letter - 2020<br> [Borrower - \| Non-Primary Income - Foster Care]; Award Letter / Continuance Letter - 2018<br> [Borrower - \| Non-Primary Income - Foster Care]; Award Letter / Continuance Letter - 2018 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $12904.49 |  | 6.730% | $0.00 | 1.9 |  |  |  | N/A | No | 6.500% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $142249.04 | 37.000% | No | 16 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.85 | Retail |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251050 |  |  | Non QM |  |  |  | Yes | No | $3270.25 | $5283.01 |  | 7.349% | $3410.88 | $3410.88 | 7.250% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $45846.76 | 1 | $4038.48 | $1880.04 | $336.54 | $156.67 |  |  |  |  |  | 19.027% | 19.027% | 19.027% |  | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 49.000% | 51.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 49.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<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 |  |  | Arc | $3270.25 |  | 6.730% | $0.00 | 1.8 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 126.12 | Retail | No | No | [Redacted] | $28875.92 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251099 |  |  | Non QM |  |  |  | Yes | No | $2345.00 | $8151.71 |  | 6.891% | $1664.81 | $1664.81 | 6.625% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  | $13018.33 | 1 | $4389.36 | $2129.88 | $365.78 | $177.49 |  |  |  |  |  | 20.365% | 20.365% | 20.365% | 02/06/2025 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $2345.00 |  | 6.730% | $0.00 | 1.3 |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | 05/01/2055 | $7642.56 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 3.17 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250966 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1720.07 | $1720.07 | 7.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $1524.48 | $776.76 | $127.04 | $64.73 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/19/2025 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | First Colony Mortgage |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | 04/01/2055 | $20706.03 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 9.64 | Retail |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 20251062 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1693.94 | $1693.94 | 7.000% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  | 1 | $4579.20 | $1225.20 | $381.60 | $102.10 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/06/2025 | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | First Colony Mortgage |  |  |  | $0.00 | 4.1 |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 240 | 04/01/2055 | $268598.14 | 74.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 71.45 |  |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251034 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1484.66 | $1484.66 | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $7478.64 | $2174.52 | $623.22 | $181.21 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/04/2025 | 745 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.2 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.31 | 0.76 |  |  |  |  |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 47.46 | Retail |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 20251251 |  |  | N/A |  |  |  | No | No |  |  |  |  | $4204.71 | $4204.71 | 7.000% | No | No |  |  |  |  |  |  | Permanent Resident Alien | US Citizen |  |  |  |  |  |  | 1 | $10582.20 | $1542.24 | $881.85 | $128.52 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/20/2025 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | 05/01/2055 | $67190.74 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 12.26 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 20251280 |  |  | N/A |  |  |  | No | No |  |  |  |  | $6696.79 | $6696.79 | 7.375% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | $19568.16 | $5723.16 | $1630.68 | $476.93 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/03/2025 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 2.01 | 0.5 |  |  |  |  |  |  |  | 05/01/2055 | $405252.60 | 33.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 14.65 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251330 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2022.62 | $2022.62 | 6.500% | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  | 2 | $10419.48 | $1140.96 | $868.29 | $95.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/10/2025 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.37 | 0.73 |  |  |  |  |  |  |  | 05/01/2055 | $531150.22 | 97.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | 96.76 | Retail |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251367 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $8523.63 | $83.71 |  | 7.621% | $2304.22 | $2304.22 | 7.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $19491.39 | 1 | $6436.56 | $2056.08 | $536.38 | $171.34 |  |  |  |  |  | 16.135% | 16.135% | 16.135% | 03/24/2025 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 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 Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $8523.63 |  | 6.700% | $20849.09 | 1.1 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 05/01/2055 | $5000.00 | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 24.26 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251242 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $20182.50 | $22394.14 |  | 7.936% | $5290.76 | $5290.76 | 7.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $12985.05 | 1 | $22270.56 | $3119.04 | $1855.88 | $259.92 |  |  |  |  |  | 37.744% | 37.744% | 37.744% | 04/11/2025 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Non-Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Borrower - \| Non-Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Non-Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Non-Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Non-Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Audited P&L - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [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<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $20182.50 |  | 6.620% | $0.00 | 1 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  | Not Stated |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 74.71 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251384 |  |  | Non QM |  |  |  | Yes | No | $18584.56 | $7885.56 |  | 8.420% | $3335.62 | $3335.62 | 8.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $51066.63 | 1 | $2223.00 | $2334.96 | $185.25 | $194.58 |  |  |  |  |  | 8.735% | 8.735% | 8.735% | 02/06/2025 | 688 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| 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 - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $18584.56 |  | 6.620% | $0.00 | 2.9 |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $24746.65 | 4.000% | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 37.68 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251428 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1885.18 | $1885.18 | 7.875% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  | 1 | $3558.24 | $690.96 | $296.52 | $57.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/15/2025 | 705 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.93 |  |  |  |  |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 109.4 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251321 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1476.32 | $1476.32 | 7.375% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  | 1 | $3577.92 | $2218.80 | $298.16 | $184.90 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/10/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 3-Stated/Partially Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.28 | 0.78 |  |  |  |  |  |  |  | 05/01/2055 | $117918.88 | 41.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 18.8 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251297 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $15228.28 | $16849.75 |  | 7.531% | $4174.92 | $4174.92 | 7.250% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  | $9790.63 | 1 | $13342.56 | $2001.00 | $1111.88 | $166.75 |  |  |  |  |  | 37.381% | 37.381% | 37.381% | 02/26/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| 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 - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [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) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $15228.28 |  | 6.620% | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 05/01/2055 | $75622.24 | 10.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 8.8 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251415 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $14797.00 | $15457.00 |  | 7.338% | $12099.08 | $12099.08 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $44178.69 | 1 | $28204.56 | $8106.00 | $2350.38 | $675.50 |  |  |  |  |  | 42.339% | 42.339% | 42.339% | 02/22/2025 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| 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 - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $14797.00 |  | 6.850% | $75000.00 | 1.5 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 05/01/2055 | $175862.11 | 8.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 11.95 |  | Yes | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251376 |  |  | N/A |  |  |  | No | No |  |  |  |  | $4018.43 | $4018.43 | 7.000% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | $11892.48 | $1536.24 | $991.04 | $128.02 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/05/2025 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 999 |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.89 |  |  |  |  |  |  |  | 05/01/2055 | $234332.41 | 30.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 14.95 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251286 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1909.42 | $1909.42 | 7.000% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $2841.48 | $1548.96 | $236.79 | $129.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/31/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | 06/01/2055 | $4500.00 | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 50.14 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251291 |  |  | N/A |  |  |  | No | No |  |  |  |  | $3592.63 | $3592.63 | 7.000% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $13601.16 | $2549.04 | $1133.43 | $212.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/26/2025 | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.32 | 0.76 |  |  |  |  |  |  |  | 06/01/2055 | $44988.71 |  | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 9.11 |  |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251378 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7687.00 | $13965.16 |  | 7.346% | $6139.59 | $6139.59 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $32442.84 | 1 | $23995.92 | $7009.80 | $1999.66 | $584.15 |  |  |  |  |  | 38.758% | 38.758% | 38.758% | 03/27/2025 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [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 Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $7687.00 |  | 6.620% | $7500.00 | 3.6 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 06/01/2055 | $425429.91 | 38.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 20.87 |  | Yes | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251389 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2808.37 | $2808.37 | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $10386.12 | $2277.96 | $865.51 | $189.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/28/2025 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  |  | 06/01/2055 | $249141.47 | 44.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 21.07 |  |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250596 |  |  | Non QM |  |  |  | Yes | No | $11668.19 | $16212.60 |  | 7.298% | $5346.19 | $5346.19 | 7.125% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $13306.63 | 1 | $20610.12 | $1383.96 | $1717.51 | $115.33 |  |  |  |  |  | 43.497% | 43.497% | 43.497% |  | 784 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $11668.19 |  | 7.070% | $15000.00 | 1 |  |  |  | N/A | No | 7.125% | 1 | 0 | 0 | 0 | 2 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | 03/01/2055 | $713213.32 | 49.000% | No |  | 8 |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 7.94 |  | No | No | [Redacted] | $0.00 | $12500.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250634 |  |  | N/A |  |  |  | No | No | $13170.00 | $14691.75 |  | 8.038% | $1914.10 | $1914.10 | 7.500% | No | No | Non-Employment Income | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $5150.28 | 1 | $6417.60 | $2247.00 | $534.80 | $187.25 |  |  |  |  |  | 41.448% | 41.448% | 41.448% | 01/27/2025 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; 1099-SSA - 2024<br> [Coborrower(s) - \| Primary Income - Pension]; Award Letter / Continuance Letter - 2021<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Social Security]; 1099-SSA - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $13170.00 |  | 6.980% | $0.00 | 1.6 |  |  |  | Yes | No | 7.500% | 0 | 0 | 0 | 0 | 2 | 1 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2055 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 51.61 |  |  | No | [Redacted] | $4454.38 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250650 |  |  | Non QM |  |  |  | Yes | No | $11295.00 | $21391.79 |  | 7.782% | $8720.02 | $8720.02 | 7.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $20060.89 | 1 | $19250.04 | $8375.04 | $1604.17 | $697.92 |  |  |  |  |  | 36.641% | 36.641% | 36.641% | 11/20/2024 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $11295.00 |  | 7.070% | $0.00 | 1.8 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2055 | $137975.02 | 9.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.09 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250708 |  |  | Non QM |  |  |  | Yes | No | $7965.00 | $9720.25 |  | 7.772% | $2412.29 | $2412.29 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $6924.92 | 1 | $5789.52 | $1707.96 | $482.46 | $142.33 |  |  |  |  |  | 45.232% | 45.232% | 45.232% |  | 685 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Audited | [Borrower - \| Primary Income - Sole Proprietor]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; P&L Statement - 2024 |  | Alternative Documentation (A) | 1yr P&L w/o Bank Statements |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $7965.00 |  | 6.930% | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2055 |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 7.28 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250682 |  |  | Non QM |  |  |  | Yes | No | $20795.00 | $10277.95 |  | 7.603% | $4875.00 | $6283.63 | 7.500% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $17466.13 | 1 | $15674.40 | $4418.16 | $1306.20 | $368.18 |  |  |  |  |  | 43.617% | 39.070% | 43.617% | 01/27/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2024<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $20795.00 |  | 6.930% | $0.00 | 3.3 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No |  |  |  |  | Other |  |  |  | 240 | 03/01/2055 | $1860666.46 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 251.46 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250593 |  |  | Non QM |  |  |  | Yes | No | $10824.00 | $16529.42 |  | 7.989% | $4728.32 | $4728.32 | 7.750% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  | $27215.14 | 1 | $11000.04 | $2090.04 | $916.67 | $174.17 |  |  |  |  |  | 29.529% | 29.529% | 29.529% | 12/03/2024 | 694 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| 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 - \| 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 - \| 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 - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | 1 | 0 |  |  | ClearEdge Lending | $10824.00 |  | 6.930% | $0.00 | 1.8 | DU |  | ApproveEligible | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2055 | $252008.01 | 29.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.75 |  | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250710 |  |  | Non QM |  |  |  | Yes | No | $20293.00 | $6178.37 |  | 7.955% | $4669.45 | $4669.45 | 7.875% | No | Yes | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $73478.87 | 1 | $7062.84 | $2545.32 | $588.57 | $212.11 |  |  |  |  |  | 9.902% | 9.902% | 9.902% |  | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| 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> [Coborrower(s) - \| 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> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2023 | [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $20293.00 |  | 6.930% | $0.00 | 1 |  |  |  | No | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2055 | $121682.72 | 13.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 11.67 |  |  | No | [Redacted] | $81554.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250689 |  |  | N/A |  |  |  | No | No |  |  |  |  | $3601.19 | $3601.19 | 7.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 3 | $5701.20 | $3177.00 | $475.10 | $264.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/17/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.34 | 0.75 |  |  |  |  |  |  |  | 03/01/2055 | $33778.10 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 50.12 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250683 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1217.00 | $1217.00 | 7.250% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $1671.60 | $702.96 | $139.30 | $58.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/21/2025 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.9 |  |  |  |  |  |  |  | 03/01/2055 | $93190.80 | 42.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 20.54 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250610 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1484.38 | $1484.38 | 7.125% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $9459.36 | $2960.04 | $788.28 | $246.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/21/2024 | 689 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 240 | 03/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 53.26 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250652 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1894.83 | $1894.83 | 7.125% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 2 | $828.48 | $1568.04 | $69.04 | $130.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 11/07/2024 | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.19 | 0.83 |  |  |  |  |  |  |  | 03/01/2055 | $4000.00 | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 184.02 |  |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250685 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1585.23 | $1585.23 | 8.125% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $1883.64 | $1658.04 | $156.97 | $138.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/14/2025 | 697 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | N/A | No | 8.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.86 | 0.53 |  |  |  |  |  |  |  | 04/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 74.02 |  |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250611 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1751.67 | $1751.67 | 7.125% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $8874.96 | $1907.52 | $739.58 | $158.96 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/20/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ClearEdge Lending |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | 03/01/2055 | $510447.39 | 72.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 14.55 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
|  | 20250579 |  |  | N/A |  |  |  | No | No |  |  |  |  | $924.88 | $924.88 | 7.999% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $3186.36 | $1050.24 | $265.53 | $87.52 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/09/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ClearEdge Lending |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.999% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.82 |  |  |  |  |  |  | 240 | 04/01/2055 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 95.57 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251288 |  |  | N/A |  |  |  | No | No |  |  |  |  | $9979.54 | $9979.54 | 7.000% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 4 | $43047.00 | $4052.04 | $3587.25 | $337.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/24/2025 | 804 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 22.52 |  |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251327 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1549.63 | $1549.63 | 7.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $2570.52 | $801.00 | $214.21 | $66.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/14/2025 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.12 | 0.89 |  |  |  |  |  |  |  | 06/01/2055 | $223609.11 | 79.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 86.94 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251348 |  |  | N/A |  |  |  | No | No |  |  |  |  | $6992.15 | $6992.15 | 7.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $37716.60 | $3841.08 | $3143.05 | $320.09 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/03/2025 | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.4 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.46 | 0.69 |  |  |  |  |  |  |  | 06/01/2055 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 87.8 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 20251247 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2528.27 | $2528.27 | 6.500% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $5642.16 | $1602.00 | $470.18 | $133.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/19/2025 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | 06/01/2055 | $218970.15 | 44.000% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 41.33 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 20251338 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $12745.00 | $15743.88 |  | 7.051% | $2918.69 | $2918.69 | 6.750% | No | No | Self-Employed | Employed |  |  |  |  | Permanent Resident Alien | Permanent Resident Alien |  |  |  |  |  | $14409.86 | 1 | $12449.28 | $1548.00 | $1037.44 | $129.00 |  |  |  |  |  | 39.028% | 39.028% | 39.028% | 03/27/2025 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 62.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2024 | [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<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $12745.00 |  | 6.880% | $1000.00 | 1.5 |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 3 | 0 | 24 |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 06/01/2055 | $558586.44 | 66.000% | No |  | 18 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  | Resident Alien Card | Resident Alien Card |  |  |  | 34.12 |  | Yes | No | [Redacted] | $0.00 | $9056.26 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251311 |  |  | Non QM |  |  |  | Yes | No | $6439.00 | $18254.39 |  | 8.468% | $12161.16 | $12161.16 | 8.375% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $100423.68 | 1 | $11527.44 | $4140.48 | $960.62 | $345.04 |  |  |  |  |  | 21.478% | 21.478% | 21.478% | 11/04/2024 | 703 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 70.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $6439.00 |  | 6.880% | $500.00 | 2.5 |  |  |  | N/A | No | 8.375% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 01/01/2055 | $494766.02 | 24.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 16.39 | Retail | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251267 |  |  | Non QM |  |  |  | Yes | No | $5110.00 | $6254.94 |  | 7.913% | $1104.76 | $1104.76 | 7.500% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $5417.26 | 1 | $0.00 | $1005.96 | $0.00 | $83.83 |  |  |  |  |  | 27.401% | 27.401% | 27.401% | 09/09/2024 | 688 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - VA Service Related Disability]; VA Verification of Benefits - 2024<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $5110.00 |  | 6.630% | $0.00 | 5 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 01/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 28.92 | Retail |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251266 |  |  | Non QM |  |  |  | Yes | No | $1991.88 | $5285.52 |  | 7.663% | $2228.75 | $2228.75 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $78762.45 | 1 | $9924.12 | $1319.04 | $827.01 | $109.92 |  |  |  |  |  | 39.919% | 39.919% | 39.919% | 12/13/2024 | 730 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| 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 - \| 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 - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024 |  | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1991.88 |  | 6.650% | $0.00 | 2.5 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $94768.55 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 47.53 | Retail |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251342 |  |  | Non QM |  |  |  | Yes | No | $1395.00 | $2892.06 |  | 7.302% | $3710.49 | $3710.49 | 7.250% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $31055.43 | 1 | $3596.88 | $1368.00 | $299.74 | $114.00 |  |  |  |  |  | 16.217% | 16.217% | 16.217% |  | 803 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; 4506-C (for Business) - 2022 | [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]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $1395.00 |  | 6.650% | $6799.00 | 2.6 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 3 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $163751.90 | 24.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 23.52 | Retail | Yes | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251253 |  |  | Non QM |  |  |  | Yes | No | $13500.00 | $18705.96 |  | 7.716% | $5069.31 | $5069.31 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $30902.84 | 1 | $11952.60 | $2733.96 | $996.05 | $227.83 |  |  |  |  |  | 18.540% | 18.540% | 18.540% | 03/24/2025 | 698 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| 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 - 2025<br> [Borrower - \| 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 - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| 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 Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $13500.00 |  | 6.660% | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | 05/01/2055 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 18.14 | Retail |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251268 |  |  | Non QM |  |  |  | Yes | No | $11017.75 | $12398.62 |  | 9.585% | $5614.31 | $5614.31 | 9.375% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $84433.93 | 1 | $4943.16 | $1005.96 | $411.93 | $83.83 |  |  |  |  |  | 12.346% | 12.346% | 12.346% | 02/10/2025 | 716 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 19.35000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 19.35000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 19.35000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 19.35000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 19.35000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 19.35000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 19.35000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 19.35000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 19.35000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; 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]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $11017.75 |  | 6.660% | $0.00 | 2.7 |  |  |  | N/A | No | 9.375% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | 04/01/2055 | $279445.70 | 37.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 26.22 | Retail |  | No | [Redacted] | $48163.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251302 |  |  | Non QM |  |  |  | Yes | No | $5166.20 | $9401.58 |  | 6.620% | $3413.17 | $3413.17 | 6.500% | No | No | Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $10205.01 | 1 | $16437.48 | $2238.96 | $1369.79 | $186.58 |  |  |  |  |  | 35.678% | 35.678% | 35.678% |  | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $5166.20 |  | 6.620% | $0.00 | 1.5 |  |  |  | N/A | No | 6.500% | 2 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $1993375.76 | 100.000% | No | 14 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 214.98 | Retail |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251303 |  |  | Non QM |  |  |  | Yes | No | $1395.00 | $4063.90 |  | 7.210% | $2075.05 | $2075.05 | 7.125% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $10340.55 | 1 | $539.28 | $1025.04 | $44.94 | $85.42 |  |  |  |  |  | 21.573% | 21.573% | 21.573% | 03/04/2025 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2022<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; 4506-C (for Business) - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; 4506-C (for Business) - 2023<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; 4506-C (for Business) - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [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 - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2020<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $1395.00 |  | 6.650% | $4000.00 | 1 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 5 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | 05/01/2055 | $81124.93 | 21.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 59.53 | Retail |  | No | [Redacted] | $6592.48 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251369 |  |  | Non QM |  |  |  | Yes | No | $1495.00 | $6400.91 |  | 7.671% | $4746.46 | $4746.46 | 7.625% | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $10130.48 | 1 | $11004.36 | $4215.84 | $917.03 | $351.32 |  |  |  |  |  | 43.520% | 43.520% | 43.520% |  | 786 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Balance Sheet - 2025<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; P&L Statement - 2024<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 1065 - 2023<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; 1065 - 2022<br> [Coborrower(s) - \| Primary Income - Partnership (>= 25%)]; K-1 - 2022 | [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | New American Funding | $1495.00 |  | 6.650% | $0.00 | 1.7 |  |  |  | N/A | No | 7.625% | 0 | 0 | 2 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Short Form | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 109.15 | Retail | No | No | [Redacted] | $16523.79 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251295 |  |  | Non QM |  |  |  | Yes | No | $9220.00 | $1369.80 |  | 7.412% | $4268.37 | $4268.37 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $17493.81 | 1 | $5286.12 | $1670.04 | $440.51 | $139.17 |  |  |  |  |  | 28.610% | 28.610% | 28.610% | 02/24/2025 | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| 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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $9220.00 |  | 6.660% | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $75174.87 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 15.51 |  | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251426 |  |  | Non QM |  |  |  | Yes | No | $23895.10 | $31092.95 |  | 7.956% | $9177.24 | $9177.24 | 7.750% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $33798.19 | 1 | $28275.96 | $5424.00 | $2356.33 | $452.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/31/2025 | 669 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Other Documentation (O) | Asset Depletion (No DTI) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ARCHome | $23895.10 |  | 6.650% | $0.00 | 2.5 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | 05/01/2055 | $4672860.38 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 112.98 | Retail |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251349 |  |  | Non QM |  |  |  | Yes | No | $14909.63 | $19208.97 |  | 6.689% | $5119.12 | $5119.12 | 6.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $13707.24 | 1 | $8561.04 | $1884.48 | $713.42 | $157.04 |  |  |  |  |  | 38.735% | 38.735% | 38.735% | 01/29/2025 | 734 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| 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 - 2025<br> [Borrower - \| 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 - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| 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 - 2025<br> [Borrower - \| 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 - 2025<br> [Borrower - \| 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 - 2007 | [Borrower]; 4506-C - 2023<br> [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 |  |  | Arc | $14909.63 |  | 6.730% | $0.00 | 4.5 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | 05/01/2055 | $288356.31 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 47.34 | Broker | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251318 |  |  | Non QM |  |  |  | Yes | No | $3125.88 | $416.93 |  | 7.212% | $1790.71 | $1790.71 | 7.250% | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $9881.27 | 1 | $1618.92 | $1112.04 | $134.91 | $92.67 |  |  |  |  |  | 38.235% | 38.235% | 38.235% | 03/21/2025 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $3125.88 |  | 6.660% | $9637.18 | 1 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $19467.47 | 6.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 26 | Retail | Yes | No | [Redacted] | $15998.07 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251344 |  |  | Non QM |  |  |  | Yes | No | $4065.00 | $7047.09 |  | 7.217% | $3267.53 | $3267.53 | 7.125% | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $6799.92 | 1 | $10700.04 | $17020.80 | $891.67 | $1418.40 |  |  |  |  |  | 46.014% | 46.014% | 46.014% | 03/17/2025 | 744 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.30000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.30000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.30000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.30000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.30000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.30000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.30000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.30000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2009<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 43.80000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 43.80000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 43.80000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 43.80000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 43.80000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 43.80000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 43.80000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 43.80000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2002 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<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 |  |  | Guaranteed Rate | $4065.00 |  | 6.660% | $0.00 | 5 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | 05/01/2055 | $138058.29 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 24.75 | Retail | No | No | [Redacted] | $12595.73 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251335 |  |  | Non QM |  |  |  | Yes | No | $1825.25 | $13877.59 |  | 7.112% | $3251.80 | $3251.80 | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $16531.91 | 1 | $21288.00 | $3164.04 | $1774.00 | $263.67 |  |  |  |  |  | 30.931% | 30.931% | 30.931% | 02/18/2025 | 750 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| 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 - \| 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 - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $1825.25 |  | 6.660% | $0.00 | 2 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 56.89 | Retail |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251236 |  |  | Non QM |  |  |  | Yes | No | $6365.00 | $10193.76 |  | 7.642% | $3670.88 | $3670.88 | 7.500% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  | $9600.51 | 1 | $5352.96 | $3532.08 | $446.08 | $294.34 |  |  |  |  |  | 34.795% | 34.795% | 34.795% | 03/07/2025 | 719 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $6365.00 |  | 6.650% | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $234366.98 | 31.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 57.27 | Retail |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251437 |  |  | Non QM |  |  |  | Yes | No | $31624.00 | $8910.70 |  | 7.210% | $7276.16 | $7276.16 | 7.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $103849.13 | 1 | $5301.60 | $5097.96 | $441.80 | $424.83 |  |  |  |  |  | 8.938% | 8.938% | 8.938% | 02/28/2025 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 81.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 81.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 81.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 81.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 81.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 81.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 81.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 81.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 81.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 1995<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 81.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 1995 | [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 |  |  | Arc | $31624.00 |  | 6.620% | $27000.00 | 2.4 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $43300.34 | 3.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 16.84 |  | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251322 |  |  | Non QM |  |  |  | Yes | No | $6728.43 | $10063.32 |  | 9.539% | $4266.87 | $4266.87 | 9.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $22038.11 | 1 | $5691.84 | $2831.16 | $474.32 | $235.93 |  |  |  |  |  | 23.242% | 23.242% | 23.242% | 02/25/2025 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $6728.43 |  | 6.660% | $27000.00 | 1.7 |  |  |  | N/A | No | 9.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $86829.72 | 15.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 7.77 | Retail |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251400 |  |  | Non QM |  |  |  | Yes | No | $1572.00 | $3099.64 |  | 6.973% | $1576.63 | $1576.63 | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $60629.69 | 1 | $6983.04 | $3817.80 | $581.92 | $318.15 |  |  |  |  |  | 11.826% | 11.826% | 11.826% | 03/13/2025 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 35.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 35.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 35.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 35.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 35.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 35.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 35.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 35.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 35.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 35.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [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 |  |  | Arc | $1572.00 |  | 6.650% | $3775.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 5 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $81257.02 | 27.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 34.69 | Retail | Yes | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251284 |  |  | Non QM |  |  |  | Yes | No | $1400.00 | $3976.48 |  | 7.543% | $3788.27 | $3788.27 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $23274.54 | 1 | $1920.84 | $1171.92 | $160.07 | $97.66 |  |  |  |  |  | 26.461% | 26.461% | 26.461% | 02/04/2025 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| 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 - \| 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 - \| 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 - \| 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 - \| 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 - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $1400.00 |  | 6.650% | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 12.12 | Retail | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251260 |  |  | Non QM |  |  |  | Yes | No | $11423.90 | $14721.08 |  | 7.410% | $4993.53 | $4993.53 | 7.250% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $9124.94 | 1 | $10134.96 | $3372.96 | $844.58 | $281.08 |  |  |  |  |  | 42.123% | 42.123% | 42.123% |  | 759 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 34.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| 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) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<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]; 4506-C - 2021 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $11423.90 |  | 6.650% | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 | 2 | 0 | 0 | 4 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $178983.32 | 20.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 16.1 |  |  | No | [Redacted] | $0.00 | $10416.68 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251403 |  |  | Non QM |  |  |  | Yes | No | $11976.25 | $16489.70 |  | 7.350% | $3607.03 | $4755.63 | 7.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $11855.95 | 1 | $4320.84 | $1564.20 | $360.07 | $130.35 |  |  |  |  |  | 37.600% | 31.555% | 37.600% | 03/20/2025 | 707 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| 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 |  |  | Arc | $11976.25 |  | 6.650% | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  | 240 | 05/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 28.27 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251402 |  |  | Non QM |  |  |  | Yes | No | $3321.75 | $4936.40 |  | 7.569% | $1554.02 | $1554.02 | 7.375% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $13167.66 | 1 | $1717.32 | $926.04 | $143.11 | $77.17 |  |  |  |  |  | 39.571% | 39.571% | 39.571% | 02/14/2025 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  | Borrower Prepared | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 45.00000% \| Expense Ratio Source: P&L Statement \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 45.00000% \| Expense Ratio Source: P&L Statement \| # of Bank Statements Required: 12]; Borrower-prepared P&L - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 45.00000% \| Expense Ratio Source: P&L Statement \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 45.00000% \| Expense Ratio Source: P&L Statement \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 45.00000% \| Expense Ratio Source: P&L Statement \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 45.00000% \| Expense Ratio Source: P&L Statement \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 45.00000% \| Expense Ratio Source: P&L Statement \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 45.00000% \| Expense Ratio Source: P&L Statement \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 45.00000% \| Expense Ratio Source: P&L Statement \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | New American Funding | $3321.75 |  | 6.650% | $0.00 | 1.8 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $36602.81 | 10.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 98.33 | Retail | Yes | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251279 |  |  | Non QM |  |  |  | Yes | No | $1695.00 | $7383.02 |  | 7.507% | $3453.38 | $3453.38 | 7.375% | No | No | Non-Employment Income | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $14590.65 | 1 | $8534.76 | $2959.20 | $711.23 | $246.60 |  |  |  |  |  | 34.016% | 34.016% | 34.016% |  | 812 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | New American Funding | $1695.00 |  | 6.650% | $0.00 | 2.7 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | 05/01/2055 | $1230680.24 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 278.99 | Retail | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251329 |  |  | Non QM |  |  |  | Yes | No | $4483.00 | $5477.65 |  | 7.442% | $1794.12 | $1794.12 | 7.250% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $5396.57 | 1 | $1759.68 | $776.04 | $146.64 | $64.67 |  |  |  |  |  | 29.253% | 29.253% | 29.253% | 03/24/2025 | 736 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| 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 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 |  | 0 | 0 | 0 |  |  | Arc | $4483.00 |  | 6.620% | $0.00 | 1.7 |  |  |  | N/A | No | 7.250% | 2 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $190953.49 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 89.39 | Retail |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251424 |  |  | N/A |  |  |  | No | No | $23942.28 |  |  | 8.328% | $3990.38 | $3990.38 | 8.375% | No | No | Self-Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $11875.38 | 1 | $7806.24 | $894.96 | $650.52 | $74.58 |  |  |  |  |  | 41.332% | 41.332% | 41.332% | 01/28/2025 | 768 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared (Unaudited) | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; P&L Statement - 2024<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 4506-C (for Business) - 2022<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Coborrower(s) - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022 | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $23942.28 |  | 6.850% | $0.00 | 2.1 |  |  |  | N/A | No | 8.375% | 0 | 0 | 1 | 0 | 3 | 2 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $403482.72 | 54.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 28.3 | Retail | No | No | [Redacted] | $3440.38 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251420 |  |  | N/A |  |  |  | No | No | $0.00 | $0.00 |  | 7.616% | $1981.77 | $1981.77 | 7.625% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $15175.46 | 1 | $3759.96 | $1445.40 | $313.33 | $120.45 |  |  |  |  |  | 22.788% | 22.788% | 22.788% | 02/21/2025 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - No Results Returned - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | New American Funding |  |  | 6.850% | $4799.70 | 1.2 |  |  |  | N/A | No | 7.625% | 2 |  | 1 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $214888.72 | 54.000% | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 33.9 | Broker | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251364 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2514.61 | $2514.61 | 7.750% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 2 | $2773.32 | $794.04 | $231.11 | $66.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/18/2025 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 04/01/2055 | $276456.20 | 55.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 40.93 | Retail |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251248 |  |  | N/A |  |  |  | No | No |  |  |  |  | $5034.38 | $5034.38 | 6.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $10422.00 | $4413.00 | $868.50 | $367.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/13/2025 | 757 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  | 240 | 04/01/2055 | $153125.17 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 23.32 | Retail |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251281 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1754.31 | $1754.31 | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $3401.52 | $221.04 | $283.46 | $18.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 12/12/2024 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  |  | 04/01/2055 |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1003.68 | Retail |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251365 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1568.28 | $1568.28 | 7.000% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $4104.36 | $1458.96 | $342.03 | $121.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/15/2025 | 783 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.13 | 0.88 |  |  |  |  |  |  |  | 04/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 61.93 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251312 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2972.78 | $2972.78 | 7.875% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | $12554.52 | $3372.00 | $1046.21 | $281.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/17/2025 | 800 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | First Colony Mortgage |  |  |  | $0.00 | 2.3 |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.79 | 1.27 |  |  |  |  |  |  |  | 04/01/2055 | $979356.45 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 137.86 |  |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251404 |  |  | N/A |  |  |  | No | No |  |  |  |  | $4941.41 | $4941.41 | 6.875% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 4 | $9807.12 | $933.12 | $817.26 | $77.76 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/12/2025 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Guaranteed Rate |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.31 | 0.76 |  |  |  |  |  |  | 240 | 05/01/2055 | $235628.23 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 40.37 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251276 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1425.54 | $1425.54 | 6.875% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | $8971.44 | $4862.04 | $747.62 | $405.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/12/2025 | 749 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | 05/01/2055 | $610398.46 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 178.59 | Retail |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251358 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1799.96 | $1799.96 | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $2004.36 | $840.96 | $167.03 | $70.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/24/2025 | 818 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  | 240 | 04/01/2055 | $980895.99 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 345.94 | Retail |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251401 |  |  | N/A |  |  |  | No | No |  |  |  |  | $3031.73 | $3031.73 | 7.125% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $5980.68 | $901.20 | $498.39 | $75.10 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/25/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 119.9 | Retail |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251314 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1608.46 | $1608.46 | 6.500% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  | 1 | $3008.64 | $1500.00 | $250.72 | $125.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/29/2025 | 737 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 3.3 |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | 05/01/2055 | $160785.00 | 49.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 26.78 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  | No | No | No | No |
|  | 20251257 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1728.04 | $1728.04 | 6.990% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $5223.96 | $1004.04 | $435.33 | $83.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/08/2025 | 731 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.990% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.11 | 0.9 |  |  |  |  |  |  |  | 05/01/2055 | $6500.00 | 2.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 208.4 | Retail |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251425 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2717.89 | $2717.89 | 6.500% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 1 | $2352.72 | $2691.96 | $196.06 | $224.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/25/2025 | 760 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | 05/01/2055 | $183322.34 | 21.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 13.98 | Retail |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251339 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1955.99 | $1955.99 | 7.000% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $5616.60 | $1545.72 | $468.05 | $128.81 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/04/2025 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.000% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 17.43 | Retail |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251234 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1722.50 | $1722.50 | 7.250% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $1285.56 | $1119.96 | $107.13 | $93.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/28/2025 | 818 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 128.88 | Retail |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251368 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1787.30 | $1787.30 | 7.250% | No | No |  |  |  |  | 0 | 0 |  | US Citizen | US Citizen | US Citizen |  |  |  |  | 2 | $8600.52 | $1704.00 | $716.71 | $142.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/18/2025 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified | Level 2-Stated/Not Verified |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | HomeBridge |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.36 | 0.74 |  |  |  |  |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  | No | 82.49 | Broker |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251289 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2066.31 | $2066.31 | 7.250% | No | No |  |  |  |  | 0 | 0 |  |  | US Citizen | US Citizen |  |  |  |  | 3 | $13189.68 | $2531.04 | $1099.14 | $210.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/18/2025 | 735 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified | Level 2-Stated/Not Verified |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | HomeBridge |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.67 | 0.6 |  |  |  |  |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | LLC | Guarantor - Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  | No | 72.25 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251309 |  |  | N/A |  |  |  | No | No |  |  |  |  | $4062.44 | $4062.44 | 7.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $7828.08 | $1725.24 | $652.34 | $143.77 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/14/2025 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 3.9 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.8 | 1.24 |  |  |  |  |  |  |  | 05/01/2055 | $11861.61 | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 24.8 | Retail |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251421 |  |  | N/A |  |  |  | No | No |  |  |  |  | $3418.84 | $3418.84 | 7.375% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $4395.96 | $4866.00 | $366.33 | $405.50 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/13/2025 | 685 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.07 | 0.93 |  |  |  |  |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 113.44 | Retail |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251381 |  |  | N/A |  |  |  | No | No |  |  |  |  | $3284.64 | $3284.64 | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $3415.44 | $1209.96 | $284.62 | $100.83 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/10/2025 | 752 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 2.5 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.31 | 0.76 |  |  |  |  |  |  |  | 05/01/2055 | $904106.24 | 100.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 143.46 | Retail |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251429 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2377.06 | $2377.06 | 7.750% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $2978.28 | $1190.04 | $248.19 | $99.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/12/2025 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.22 | 0.82 |  |  |  |  |  |  |  | 04/01/2055 | $794586.86 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 227.87 | Retail |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251226 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2497.21 | $2497.21 | 6.625% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $13001.64 | $1911.00 | $1083.47 | $159.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/04/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 4.1 |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 35.11 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251227 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2497.21 | $2497.21 | 6.625% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $12996.96 | $2084.04 | $1083.08 | $173.67 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/04/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 4.1 |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 35.33 | Broker |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251320 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2497.21 | $2497.21 | 6.625% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $12996.96 | $2472.96 | $1083.08 | $206.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/04/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 4.1 |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 34.97 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251434 |  |  | N/A |  |  |  | No | No |  |  |  |  | $5831.45 | $5831.45 | 7.500% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  | 1 | $3504.48 | $4462.80 | $292.04 | $371.90 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/24/2025 | 748 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 2-Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 4.1 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.28 | 0.78 |  |  |  |  |  |  |  | 05/01/2055 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | No | 13.93 | Retail |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251301 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2497.21 | $2497.21 | 6.625% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $13001.64 | $1914.96 | $1083.47 | $159.58 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/04/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 4 |  |  |  | N/A | No | 6.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.02 | 0.98 |  |  |  |  |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 35.79 | Retail |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251341 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2719.01 | $2719.01 | 7.875% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 3 | $7200.96 | $2261.04 | $600.08 | $188.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/04/2025 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Guaranteed Rate |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.5 | 0.67 |  |  |  |  |  |  |  | 05/01/2055 | $202890.80 | 41.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 16.82 | Retail |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251263 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1010.58 | $1010.58 | 7.125% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $2218.32 | $1308.96 | $184.86 | $109.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/15/2025 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.9 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.84 | 0.54 |  |  |  |  |  |  |  | 06/01/2055 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 30.51 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251287 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2065.78 | $2065.78 | 6.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 3 | $11347.20 | $2548.20 | $945.60 | $212.35 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/24/2025 | 755 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.83 |  |  |  |  |  |  |  | 06/01/2055 | $199381.76 | 44.000% | No |  |  |  |  | Yes | Final | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 15.94 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251436 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $10381.00 | $11696.35 |  | 7.402% | $2993.33 | $2993.33 | 7.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $12545.20 | 1 | $11948.16 | $1863.84 | $995.68 | $155.32 |  |  |  |  |  | 32.212% | 32.212% | 32.212% | 01/14/2025 | 764 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| 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 - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $10381.00 |  | 6.810% | $0.00 | 4.8 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | No |  |  |  | 05/01/2055 | $175107.02 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 42.58 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251388 |  |  | Non QM |  |  |  | Yes | No | $19792.65 | $24874.53 |  | 7.449% | $4575.90 | $4575.90 | 7.125% | No | No | Self-Employed | Non-Employment Income |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $19188.92 | 1 | $11528.28 | $4077.12 | $960.69 | $339.76 |  |  |  |  |  | 47.689% | 47.689% | 47.689% | 03/04/2025 | 715 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 84.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2024<br> [Coborrower(s) - \| Primary Income - Social Security]; Account Statements - 2025<br> [Coborrower(s) - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2024 | [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<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $19792.65 |  | 6.700% | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $605639.70 | 71.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 86.44 |  | Yes | No | [Redacted] | $3225.90 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251278 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2097.93 | $2097.93 | 7.375% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $4884.96 | $3785.40 | $407.08 | $315.45 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/07/2025 | 727 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  |  | 06/01/2055 | $795951.67 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 216.65 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251383 |  |  | N/A |  |  |  | No | No |  |  |  |  | $5024.94 | $5024.94 | 6.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $12056.04 | $2047.56 | $1004.67 | $170.63 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/22/2025 | 741 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 3.2 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.76 | 1.31 |  |  |  |  |  |  |  | 06/01/2055 | $121829.35 | 10.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 22.87 |  |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251396 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2654.73 | $2654.73 | 6.750% | No | No |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  |  | 3 | $13414.20 | $1620.00 | $1117.85 | $135.00 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/25/2025 | 773 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.750% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.71 | 0.58 |  |  |  |  |  |  |  | 06/01/2040 | $937749.88 | 82.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 12.7 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251427 |  |  | Non QM |  |  |  | Yes | No | $10404.12 | $13641.00 |  | 7.983% | $2491.43 | $2491.43 | 7.625% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  | $3865.76 | 1 | $5499.96 | $804.96 | $458.33 | $67.08 |  |  |  |  |  | 47.926% | 47.926% | 47.926% | 04/09/2025 | 777 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [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 Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $10404.12 |  | 6.740% | $5750.00 | 2.4 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 | $100166.40 | 23.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 23.97 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251412 |  |  | Non QM |  |  |  | Yes | No | $11904.07 | $6513.37 |  | 7.814% | $2059.68 | $2059.68 | 7.625% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  | $8411.33 | 1 | $2684.52 | $2108.04 | $223.71 | $175.67 |  |  |  |  |  | 42.611% | 42.611% | 42.611% | 04/07/2025 | 772 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025 | [Borrower]; 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 Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $11904.07 |  | 6.880% | $0.00 | 1.6 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | No | 81.8 |  | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251313 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $16223.96 | $7876.76 |  | 7.844% | $4241.16 | $4241.16 | 7.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $56129.37 | 1 | $3909.60 | $2850.00 | $325.80 | $237.50 |  |  |  |  |  | 13.696% | 13.696% | 13.696% | 04/14/2025 | 704 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 33.330% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $16223.96 |  | 6.880% | $0.00 | 2.7 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 06/01/2055 | $170665.04 | 23.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 52.4 |  | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251250 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7875.00 | $2731.20 |  | 7.911% | $2537.74 | $2537.74 | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $91605.36 | 1 | $11824.08 | $2646.00 | $985.34 | $220.50 |  |  |  |  |  | 13.619% | 13.619% | 13.619% | 03/11/2025 | 743 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| 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 - \| 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 - 2025 | [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 Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $7875.00 |  | 6.810% | $0.00 | 1 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 06/01/2055 | $143927.34 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 129.34 |  | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251290 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $7675.00 | $10776.60 |  | 7.728% | $2880.76 | $2880.76 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $11232.48 | 1 | $7643.64 | $1580.04 | $636.97 | $131.67 |  |  |  |  |  | 24.871% | 24.871% | 24.871% | 04/05/2025 | 708 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $7675.00 |  | 6.880% | $60000.00 | 1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 2 | 0 | 12 |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 06/01/2055 | $101692.63 | 20.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 10.82 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251399 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | No | $26870.00 | $6544.12 |  | 7.379% | $10014.79 | $10014.79 | 7.375% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $26521.87 | 1 | $22656.24 | $3771.00 | $1888.02 | $314.25 |  |  |  |  |  | 39.920% | 39.920% | 39.920% | 04/15/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2016 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $26870.00 |  | 6.880% | $12500.00 | 1.6 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 06/01/2055 | $475014.27 | 26.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 34.83 |  | Yes | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251359 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2844.31 | $2844.31 | 6.500% | No | No |  |  |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  | 2 | $9422.28 | $1407.96 | $785.19 | $117.33 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/10/2025 | 754 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 6.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.25 | 0.8 |  |  |  |  |  |  |  | 06/01/2055 | $522190.71 | 74.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | 65.81 |  |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251259 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2158.82 | $2158.82 | 7.500% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $10013.76 | $4725.00 | $834.48 | $393.75 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/23/2025 | 775 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.64 | 0.61 |  |  |  |  |  |  |  | 06/01/2055 | $237707.38 | 50.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Member |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 17.68 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251243 |  |  | Non QM |  |  |  | Yes | No | $3038.75 | $3038.75 |  | 8.324% | $2075.37 | $2075.37 | 8.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $18536.90 | 1 | $7268.04 | $5195.04 | $605.67 | $432.92 |  |  |  |  |  | 16.795% | 16.795% | 16.795% | 02/12/2025 | 806 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| 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 - \| 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 - \| 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 - 2025 | [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 Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $3038.75 |  | 6.870% | $0.00 | 2.6 |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $43939.57 | 14.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.59 | Retail | Yes | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251357 |  |  | Non QM |  |  |  | Yes | No | $1695.00 | $0.00 |  | 7.334% | $2679.82 | $2679.82 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $5711.79 | 1 | $6526.56 | $1362.12 | $543.88 | $113.51 |  |  |  |  |  | 40.434% | 40.434% | 40.434% | 02/13/2025 | 751 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; 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 | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $1695.00 |  | 6.850% | $11074.43 | 1.2 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $223787.69 | 46.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 37.85 | Retail |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251230 |  |  | Non QM |  |  |  | Yes | No | $8986.60 | $11300.82 |  | 7.106% | $2943.04 | $2943.04 | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $5217.65 | 1 | $1201.92 | $1500.00 | $100.16 | $125.00 |  |  |  |  |  | 39.279% | 39.279% | 39.279% | 02/11/2025 | 738 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  | Third Party Prepared | [Borrower - \| Primary Income - P&L Statement Only]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; CPA Letter - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Other - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; P&L Statement - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - P&L Statement Only]; Third Party Verification - 2025 | [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]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo CPA P&L |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | First Colony Mortgage Corporation | $8986.60 |  | 6.880% | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  |  | 12.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $15189.36 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | FICO II | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 4.78 |  |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251408 |  |  | Non QM |  |  |  | Yes | No | $1992.44 | $6266.99 |  | 7.082% | $3805.53 | $3805.53 | 7.000% | No | No | Employed | Self-Employed |  |  |  |  | US Citizen | Permanent Resident Alien |  |  |  |  |  | $12852.96 | 1 | $17000.04 | $4196.04 | $1416.67 | $349.67 |  |  |  |  |  | 30.543% | 30.543% | 30.543% | 02/19/2025 | 796 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Balance Sheet - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Balance Sheet - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; P&L Statement - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; Third Party Verification - 2024<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 | [Borrower]; Transcripts (1040) - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | New American Funding | $1992.44 |  | 6.880% | $0.00 | 1 |  |  |  | N/A | No | 7.000% | 2 | 0 | 2 | 0 | 2 | 3 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $990920.87 | 73.000% | No | 25 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  | Resident Alien Card |  |  |  | 31.62 | Retail |  | No | [Redacted] | $10713.17 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251326 |  |  | Non QM |  |  |  | Yes | No | $8550.00 | $10224.00 |  | 8.633% | $2043.45 | $2043.45 | 8.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $3941.54 | 1 | $2855.40 | $0.00 | $237.95 | $0.00 |  |  |  |  |  | 43.040% | 43.040% | 43.040% | 03/04/2025 | 724 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Other - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - No Results Returned - 2024<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 - 2023<br> [Borrower - \| Primary Income - Sole Proprietor]; 1099 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 1yr 1099 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $8550.00 |  | 6.880% | $0.00 | 1 |  |  |  | N/A | No | 8.250% | 0 |  | 0 | 0 | 4 | 0 |  |  |  | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $64922.86 | 20.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 6.36 | Retail |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251245 |  |  | Non QM |  |  |  | Yes | No | $15569.93 | $19175.98 |  | 8.687% | $4619.34 | $4619.34 | 8.375% | No | No | Self-Employed |  |  |  |  |  | Permanent Resident Alien |  |  |  |  |  |  | $12762.72 | 1 | $8937.48 | $2986.92 | $744.79 | $248.91 |  |  |  |  |  | 30.546% | 30.546% | 30.546% | 02/05/2025 | 721 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| 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 - \| 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 - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | New American Funding | $15569.93 |  | 6.920% | $15000.00 | 1.8 |  |  |  | N/A | No | 8.375% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $21000.00 | 3.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Resident Alien Card |  |  |  |  | 7.35 | Retail |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251423 |  |  | Non QM |  |  |  | Yes | No | $5390.00 | $12709.42 |  | 7.563% | $10488.22 | $10488.22 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $47426.58 | 1 | $10824.00 | $2637.36 | $902.00 | $219.78 |  |  |  |  |  | 19.666% | 19.666% | 19.666% | 02/23/2025 | 714 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 33.53000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 33.53000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 33.53000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 33.53000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 33.53000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 33.53000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 33.53000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 33.53000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 33.53000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 33.53000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 33.53000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 33.53000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 33.53000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 33.53000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2023<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 33.53000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; 4506-C (for Business) - 2022 | [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]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $5390.00 |  | 6.880% | $0.00 | 1 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | 04/01/2055 | $128487.35 | 7.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Score 10T | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.49 | Retail |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251371 |  |  | Non QM |  |  |  | Yes | No | $1640.00 | $6599.86 |  | 7.953% | $4756.46 | $4756.46 | 7.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $24784.11 | 1 | $10067.04 | $0.00 | $838.92 | $0.00 |  |  |  |  |  | 25.647% | 25.647% | 25.647% | 02/18/2025 | 709 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025 | [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]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $1640.00 |  | 6.880% | $0.00 | 1 |  |  |  | N/A | No | 7.875% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $193007.26 | 24.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 49.45 | Retail | Yes | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251407 |  |  | Non QM |  |  |  | Yes | No | $8010.00 | $610.38 |  | 6.865% | $3711.65 | $3711.65 | 6.875% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $8086.23 | 1 | $4571.52 | $2808.72 | $380.96 | $234.06 |  |  |  |  |  | 37.526% | 37.526% | 37.526% | 02/18/2025 | 801 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025<br> [Borrower - \| Primary Income - Asset Depletion]; Account Statements - 2025 | [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]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Other Documentation (O) | Asset Depletion |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $8010.00 |  | 6.850% | $30000.00 | 2 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  | 60 |  |  |  |  | 04/01/2055 | $1862459.79 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 329.25 | Retail |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251354 |  |  | Non QM |  |  |  | Yes | No | $2918.25 | $4802.04 |  | 7.384% | $2122.93 | $2122.93 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $33442.56 | 1 | $1368.48 | $1504.68 | $114.04 | $125.39 |  |  |  |  |  | 16.879% | 16.879% | 16.879% | 02/27/2025 | 776 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 48 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Non-Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 60.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $2918.25 |  | 6.620% | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 24 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $123291.51 | 32.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 18.98 | Retail | Yes | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251419 |  |  | Non QM |  |  |  | Yes | No | $2895.00 | $3050.28 |  | 7.391% | $8633.44 | $8633.44 | 7.375% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $67412.84 | 1 | $19488.84 | $3855.96 | $1624.07 | $321.33 |  |  |  |  |  | 26.006% | 26.006% | 26.006% | 02/07/2025 | 664 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 42.500% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 42.50% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 42.50% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 42.50% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 42.50% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 42.50% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 42.50% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 42.50% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2018 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $2895.00 |  | 6.850% | $0.00 | 3 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 4 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $246438.86 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 24.81 | Retail | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251317 |  |  | Non QM |  |  |  | Yes | No | $1640.00 | $1381.03 |  | 7.668% | $5839.43 | $6328.39 | 8.079% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $845863.38 | 1 | $14384.76 | $2304.96 | $1198.73 | $192.08 |  |  |  |  |  | 2.313% | 2.257% | 2.313% | 02/14/2025 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| 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 - \| 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 - 2025 | [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]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $1640.00 |  | 6.690% | $0.00 | 4.7 |  |  |  | N/A | No | 8.079% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $408569.76 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 52.93 | Retail | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251430 |  |  | Non QM |  |  |  | Yes | No | $3478.23 | $5598.27 |  | 7.580% | $1186.99 | $1186.99 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $3827.39 | 1 | $3635.40 | $657.96 | $302.95 | $54.83 |  |  |  |  |  | 48.866% | 48.866% | 48.866% | 02/24/2025 | 685 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $3478.23 |  | 6.850% | $0.00 | 2 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $5944.51 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 5.03 | Retail | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251246 |  |  | Non QM |  |  |  | Yes | No | $0.00 | $11291.36 |  | 6.892% | $10484.58 | $10484.58 | 6.875% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $23743.70 | 1 | $24937.56 | $7163.04 | $2078.13 | $596.92 |  |  |  |  |  | 36.093% | 36.093% | 36.093% | 03/04/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate |  |  | 6.730% | $0.00 | 2.5 |  |  |  | N/A | No | 6.875% | 2 |  | 2 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $1822863.65 | 91.000% | No | 33 |  |  |  | Yes | Preliminary | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 105.29 | Retail |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251375 |  |  | Non QM |  |  |  | Yes | No | $8519.69 | $10136.42 |  | 8.042% | $4595.13 | $4595.13 | 7.875% | No | No | Self-Employed | Not Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $866571.55 | 1 | $13191.36 | $4520.16 | $1099.28 | $376.68 |  |  |  |  |  | 1.233% | 1.233% | 1.233% | 12/11/2024 | 674 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 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 Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $8519.69 |  | 6.850% | $0.00 | 1 |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 |  |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 90.05 | Retail | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251232 |  |  | Non QM |  |  |  | Yes | No | $4953.04 | $5638.51 |  | 7.050% | $8412.88 | $8412.88 | 7.000% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $30247.16 | 1 | $19812.72 | $2238.96 | $1651.06 | $186.58 |  |  |  |  |  | 31.348% | 31.348% | 31.348% | 03/07/2025 | 711 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Borrower - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Other - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; 1120S - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; K-1 - 2023<br> [Coborrower(s) - \| Primary Income - S-Corp (>= 25%)]; W-2 - 2023<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; Third Party Verification - 2025<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2023<br> [Coborrower(s) - \| Non-Primary Income - Sole Proprietor]; 1040 - Schedule C - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 1040 - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 1040 - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - 2024<br> [Coborrower]; 1040 - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 1040 - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $4953.04 |  | 6.730% | $0.00 | 1 |  |  |  | N/A | No | 7.000% | 1 | 1 | 2 | 0 | 3 | 3 |  |  |  | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $145524.31 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 11.68 | Retail | No | No | [Redacted] | $21709.68 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251306 |  |  | Non QM |  |  |  | Yes | No | $1419.00 | $1510.81 |  | 7.288% | $4018.02 | $4018.02 | 7.250% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $5221.77 | 1 | $7067.52 | $6387.00 | $588.96 | $532.25 |  |  |  |  |  | 49.747% | 49.747% | 49.747% | 02/11/2025 | 722 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 55.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 55.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 55.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 55.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 55.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 55.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 55.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $1419.00 |  | 6.880% | $0.00 | 2.9 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $40000.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.96 | Retail |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251391 |  |  | Non QM |  |  |  | Yes | No | $7120.00 | $8028.00 |  | 7.364% | $4857.10 | $4857.10 | 7.250% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $22025.98 | 1 | $10121.04 | $2991.72 | $843.42 | $249.31 |  |  |  |  |  | 38.888% | 38.888% | 38.888% | 03/04/2025 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; Transcripts (1040) - No Results Returned - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; Transcripts (1040) - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; Transcripts (1040) - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; Transcripts (1040) - No Results Returned - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; Transcripts (1040) - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; Transcripts (1040) - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $7120.00 |  | 6.850% | $0.00 | 1 |  |  |  | N/A | No | 7.250% | 3 | 3 | 0 | 0 | 3 | 2 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $1749473.33 | 100.000% | No | 4 | 25 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 204.65 | Retail | No | No | [Redacted] | $0.00 | $3250.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251413 |  |  | Non QM |  |  |  | Yes | No | $2080.08 | $2688.33 |  | 7.666% | $4784.69 | $4784.69 | 7.625% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $23224.21 | 1 | $11823.60 | $2203.32 | $985.30 | $183.61 |  |  |  |  |  | 27.251% | 27.251% | 27.251% | 02/14/2025 | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 90.000% | 50.000% | 50.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 40.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2016 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $2080.08 |  | 6.850% | $0.00 | 3.5 |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $667787.57 | 79.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 81.63 | Retail | No | No | [Redacted] | $14422.54 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251271 |  |  | Non QM |  |  |  | Yes | No | $18301.13 | $20868.46 |  | 7.963% | $3001.73 | $3001.73 | 7.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $4544.86 | 1 | $4090.92 | $1172.04 | $340.91 | $97.67 |  |  |  |  |  | 44.332% | 44.332% | 44.332% | 02/26/2025 | 766 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| 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 - \| 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 - \| 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 - \| 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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $18301.13 |  | 6.650% | $0.00 | 1.7 |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | 05/01/2055 | $67055.88 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 6.46 | Retail |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251397 |  |  | Non QM |  |  |  | Yes | No | $6278.75 | $8597.07 |  | 8.792% | $1002.37 | $1002.37 | 8.125% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $3100.45 | 1 | $2686.20 | $1872.00 | $223.85 | $156.00 |  |  |  |  |  | 31.879% | 31.879% | 31.879% | 02/06/2025 | 671 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Social Security]; Account Statements - 2025<br> [Borrower - \| Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Borrower - \| Primary Income - Social Security]; 1099 Transcript - No Results Returned - 2024<br> [Borrower - \| Primary Income - Social Security]; 1099-SSA - 2024<br> [Borrower - \| Primary Income - Social Security]; 1099 Transcript - 2023<br> [Borrower - \| Primary Income - Social Security]; 1099 Transcript - 2022<br> [Borrower - \| Non-Primary Income - Pension]; Account Statements - 2025<br> [Borrower - \| Non-Primary Income - Pension]; Deposit Receipt - 2025<br> [Borrower - \| Non-Primary Income - Pension]; 1099 Transcript - No Results Returned - 2024<br> [Borrower - \| Non-Primary Income - Pension]; 1099 - 2023<br> [Borrower - \| Non-Primary Income - Pension]; 1099 Transcript - 2023<br> [Borrower - \| Non-Primary Income - Pension]; Award Letter / Continuance Letter - 2023<br> [Borrower - \| Non-Primary Income - Pension]; 1099 Transcript - 2022 | [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]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | Retirement Income - Fully Verified |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $6278.75 |  | 6.850% | $0.00 | 1 |  |  |  | N/A | No | 8.125% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 66.16 | Retail |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251346 |  |  | Non QM |  |  |  | Yes | No | $1640.00 | $10247.01 |  | 7.299% | $6821.76 | $6821.76 | 7.250% | No | No | Non-Employment Income |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $24952.81 | 1 | $26250.00 | $2973.96 | $2187.50 | $247.83 |  |  |  |  |  | 42.710% | 42.710% | 42.710% | 02/13/2025 | 817 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Alimony]; Account Statements - 2025<br> [Borrower - \| Primary Income - Alimony]; Divorce Decree - 2025<br> [Borrower - \| Primary Income - Alimony]; Other - 2025<br> [Borrower - \| Primary Income - Alimony]; Separation Agreement - 2025 | [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]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $1640.00 |  | 6.660% | $0.00 | 2.7 |  |  |  | N/A | No | 7.250% | 0 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $2067617.37 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 135.53 | Retail | Yes | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251299 |  |  | Non QM |  |  |  | Yes | No | $5473.00 | $5839.58 |  | 6.954% | $1524.21 | $1524.21 | 6.750% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $12196.71 | 1 | $11829.00 | $1779.96 | $985.75 | $148.33 |  |  |  |  |  | 30.305% | 30.305% | 30.305% | 03/10/2025 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $5473.00 |  | 6.620% | $0.00 | 1 |  |  |  | N/A | No | 6.750% | 2 |  | 0 | 0 | 2 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $0.00 |  | No | 26 |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 46.52 | Retail |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251255 |  |  | Non QM |  |  |  | Yes | No | $4286.24 | $7493.64 |  | 7.712% | $4190.14 | $4190.14 | 7.625% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $135540.79 | 1 | $8060.88 | $4449.72 | $671.74 | $370.81 |  |  |  |  |  | 5.754% | 5.754% | 5.754% | 03/10/2025 | 767 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 50.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 50.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $4286.24 |  | 6.620% | $15000.00 | 1.3 |  |  |  | N/A | No | 7.625% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 17.94 | Retail | Yes | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251377 |  |  | Non QM |  |  |  | Yes | No | $13034.43 | $16596.64 |  | 7.314% | $3017.81 | $3017.81 | 7.000% | No | Yes | Self-Employed | Employed | Self-Employed |  | 4.97 |  | Permanent Resident Alien | US Citizen | US Citizen |  |  |  |  | $19482.39 | 1 | $10018.68 | $1791.96 | $834.89 | $149.33 |  |  |  |  |  | 32.630% | 32.630% | 32.630% | 02/12/2025 | 684 | 708 | 684 | 671 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined |  | Level 3-Stated/Partially Verified |  | Level 3-Stated/Verified as defined |  | No | Yes | 24 | Personal, Business | 82.000% | 100.000% |  |  | [Borrower - \| 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 - 2025<br> [Borrower - \| 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 - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| 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 - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 35.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| 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 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2022<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Coborrower(s) - \| 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 - 2025<br> [Coborrower(s) - \| 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 - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 15.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| 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 - 2025<br> [Coborrower(s) - \| 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 - 2025<br> [Coborrower(s) - \| 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 - 2025 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $13034.43 |  | 6.620% | $0.00 | 1.4 |  |  |  | N/A | No | 7.000% | 0 | 3 | 0 | 0 | 3 | 0 | 12 | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | 05/01/2055 | $176481.22 | 31.000% | No |  | 25 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  | Resident Alien Card |  |  |  |  | 9.47 | Retail | No | No | [Redacted] | $13969.32 | $5186.78 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251366 |  |  | Non QM |  |  |  | Yes | No | $1640.00 | $7896.26 |  | 7.797% | $6645.83 | $9258.19 | 8.084% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $18070.26 | 1 | $16069.20 | $2785.68 | $1339.10 | $232.14 |  |  |  |  |  | 54.982% | 53.041% | 54.982% | 03/06/2025 | 793 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Employer Letter - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Other - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Restricted Stock Agreement - 2025<br> [Borrower - \| Primary Income - Wages]; VVOE - 2025<br> [Borrower - \| Primary Income - Wages]; WVOE - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Borrower - \| Primary Income - Wages]; W-2 Transcript - 2022<br> [Borrower - \| Primary Income - Wages]; Vesting Schedule - 2016<br> [Coborrower(s) - \| Primary Income - Wages]; Employer Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2023<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - 2022 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 2yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $1640.00 |  | 6.850% | $0.00 | 2.1 |  |  |  | N/A | No | 8.084% | 3 | 3 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  |  |  |  | 240 | 05/01/2055 | $507951.46 | 37.000% | No | 26 | 26 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 21.33 | Retail | Yes | No | [Redacted] | $0.00 | $4922.32 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251272 |  |  | Non QM |  |  |  | Yes | No | $5181.00 | $11036.83 |  | 7.509% | $4724.22 | $4724.22 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $30167.74 | 1 | $3854.04 | $1666.80 | $321.17 | $138.90 |  |  |  |  |  | 18.089% | 18.089% | 18.089% | 03/03/2025 | 805 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025 | [Borrower]; 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]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $5181.00 |  | 6.730% | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 04/01/2055 | $10000.00 | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 23.49 | Retail | Yes | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251265 |  |  | Non QM |  |  |  | Yes | No | $5982.75 | $15271.00 |  | 7.899% | $5910.40 | $5910.40 | 7.750% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $10586.56 | 1 | $8124.60 | $881.52 | $677.05 | $73.46 |  |  |  |  |  | 49.880% | 49.880% | 49.880% | 03/19/2025 | 725 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 26.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2024 | [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $5982.75 |  | 6.730% | $0.00 | 1.8 |  |  |  | N/A | No | 7.750% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 32.79 | Retail | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251237 |  |  | Non QM |  |  |  | Yes | No | $1640.00 | $7045.50 |  | 7.648% | $16356.51 | $16356.51 | 8.084% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $31588.86 | 1 | $16408.20 | $4601.04 | $1367.35 | $383.42 |  |  |  |  |  | 44.970% | 44.970% | 47.369% | 03/07/2025 | 710 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 67.000% | 100.000% |  | Borrower Prepared | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Borrower-prepared P&L - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 11.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Third Party Verification - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 Transcript - No Results Returned - 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]; 4506-C - 2022<br> [Borrower]; 4506-C - 2021<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2021<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $1640.00 |  | 6.690% | $0.00 | 2.6 |  |  |  | N/A | No | 7.250% | 0 | 1 | 0 | 0 | 4 | 0 |  | 12 | 12.00 | Yes |  |  |  |  |  |  |  |  |  | 05/01/2055 | $7535.62 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 16.31 | Retail |  | No | [Redacted] | $0.00 | $18750.01 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251315 |  |  | Non QM |  |  |  | Yes | No | $1640.00 | $7141.16 |  | 6.963% | $3941.57 | $3941.57 | 6.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $12364.60 | 1 | $14702.52 | $1854.96 | $1225.21 | $154.58 |  |  |  |  |  | 36.148% | 36.148% | 36.148% | 02/28/2025 | 787 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% | 100.000% | 100.000% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 10.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| 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 - 2025<br> [Coborrower(s) - \| 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 - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Expense Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 12]; Other - 2025<br> [Coborrower(s) - \| 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 - 2025<br> [Coborrower(s) - \| 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 - 2025<br> [Coborrower(s) - \| 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 - 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]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $1640.00 |  | 6.850% | $5000.00 | 1.4 |  |  |  | N/A | No | 6.875% | 0 | 0 | 0 | 0 | 3 | 0 |  | 12 | 0.00 | Yes |  |  |  |  |  |  |  |  |  | 05/01/2055 | $1156327.89 | 93.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 82.61 | Retail |  | No | [Redacted] | $2942.43 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251319 |  |  | Non QM |  |  |  | Yes | No | $2029.09 | $13350.09 |  | 7.813% | $18706.25 | $25190.69 | 8.084% | No | No | Not Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $192137.66 | 1 | $45573.72 | $6830.16 | $3797.81 | $569.18 |  |  |  |  |  | 15.167% | 12.304% | 15.167% | 03/25/2025 | 794 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Business | 100.000% |  | 100.000% |  | [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 28.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Account Statements - Business - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 28.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 28.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Expense Letter - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 28.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 28.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 28.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 28.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 28.00000% \| Expense Ratio Source: CPA Letter \| # of Bank Statements Required: 24]; CPA Letter - 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]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2022<br> [Coborrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Guaranteed Rate | $2029.09 |  | 6.610% | $0.00 | 3.6 |  |  |  | N/A | No | 8.084% | 0 | 0 | 0 | 0 | 3 | 0 |  | 24 | 0.00 | Yes |  |  |  |  |  |  |  |  | 240 | 05/01/2055 | $359640.90 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | Yes |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 13.5 | Retail |  | No | [Redacted] | $226488.34 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251292 |  |  | Non QM |  |  |  | Yes | No | $15420.96 | $19764.06 |  | 7.145% | $4624.78 | $4624.78 | 6.875% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $68153.99 | 1 | $11000.04 | $2526.12 | $916.67 | $210.51 |  |  |  |  |  | 9.255% | 9.255% | 9.255% | 02/26/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| 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]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $15420.96 |  | 6.700% | $0.00 | 1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 2 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $132416.34 | 15.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 9.08 | Retail |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251347 |  |  | Non QM |  |  |  | Yes | No | $5211.35 | $6239.60 |  | 7.549% | $2199.80 | $2199.80 | 7.375% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $13042.42 | 1 | $3707.04 | $1245.00 | $308.92 | $103.75 |  |  |  |  |  | 20.356% | 20.356% | 20.356% | 02/14/2025 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2019 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Cross Country | $5211.35 |  | 6.880% | $0.00 | 2.2 |  |  |  | N/A | No | 7.375% | 0 |  | 0 | 0 | 3 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 116.97 | Retail | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251395 |  |  | Non QM |  |  |  | Yes | No | $2613.00 | $6436.88 |  | 6.921% | $948.10 | $948.10 | 6.500% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $1655.35 | 1 | $1907.04 | $1614.00 | $158.92 | $134.50 |  |  |  |  |  | 42.857% | 42.857% | 42.857% | 02/13/2025 | 753 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 20.00000% \| 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 | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $2613.00 |  | 6.850% | $0.00 | 2.8 |  |  |  | N/A | No | 6.500% | 0 |  | 0 | 0 | 3 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 103.52 | Retail |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251334 |  |  | Non QM |  |  |  | Yes | No | $1655.00 | $1800.02 |  | 8.117% | $1174.02 | $1174.02 | 8.000% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $8431.47 | 1 | $1752.24 | $2804.04 | $146.02 | $233.67 |  |  |  |  |  | 26.490% | 26.490% | 26.490% | 02/28/2025 | 699 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 30.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 12mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | Arc | $1655.00 |  | 6.620% | $6800.00 | 2.9 |  |  |  | N/A | No | 8.000% | 0 |  | 0 | 0 | 1 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 05/01/2055 | $53242.07 | 15.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 32.71 | Retail |  | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251416 |  |  | N/A |  |  |  | No | No |  |  |  |  | $956.41 | $956.41 | 7.750% | No | No |  |  |  |  | 0 | 0 |  | Permanent Resident Alien | Non-Permanent Resident Alien | US Citizen |  |  |  |  | 1 | $2846.52 | $613.56 | $237.21 | $51.13 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/05/2025 | 717 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 4-Stated/Verified as defined | Level 4-Stated/Verified as defined |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.9 |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.36 | 0.74 |  |  |  |  |  |  |  | 04/01/2055 | $71993.44 | 32.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual | Individual | Guarantor - Individual | Individual | Guarantor - Individual |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  | Resident Alien Card | VISA |  |  | 40.58 | Retail |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251409 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1999.43 | $1999.43 | 9.000% | No | No |  |  |  |  |  |  | Non-Permanent Resident Alien |  |  |  |  |  |  |  | 1 | $9999.96 | $626.04 | $833.33 | $52.17 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/10/2025 | 702 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 2.6 |  |  |  | N/A | No | 9.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.1 | 0.91 |  |  |  |  |  |  |  | 04/01/2055 | $146529.92 | 41.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  | Employment Authorization |  |  |  |  | 9.36 | Retail |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251261 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2824.21 | $2824.21 | 7.250% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | $8403.12 | $1463.52 | $700.26 | $121.96 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/26/2025 | 732 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.9 |  |  |  | N/A | No | 7.250% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 04/01/2055 | $287164.12 | 38.000% | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 57.45 | Retail |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251264 |  |  | N/A |  |  |  | No | No |  |  |  |  | $4226.05 | $4226.05 | 6.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $25218.24 | $1740.12 | $2101.52 | $145.01 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/07/2025 | 762 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Guaranteed Rate |  |  |  | $0.00 | 3 |  |  |  | N/A | No | 6.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 04/01/2055 | $1130195.64 |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Trustee |  |  |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 159.33 | Retail |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251385 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2381.78 | $2381.78 | 7.000% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $3389.28 | $1157.04 | $282.44 | $96.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/06/2025 | 769 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Guaranteed Rate |  |  |  | $0.00 | 1.1 |  |  |  | N/A | No | 7.000% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.08 | 0.93 |  |  |  |  |  |  |  | 05/01/2055 | $1659288.76 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 595.93 | Retail |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251239 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1519.57 | $1519.57 | 7.125% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $4073.76 | $1289.40 | $339.48 | $107.45 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/07/2025 | 746 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1.2 |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.14 | 0.87 |  |  |  |  |  |  |  | 05/01/2055 | $0.00 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 107.9 | Retail |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251351 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1793.78 | $1793.78 | 7.125% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | $7668.72 | $2686.44 | $639.06 | $223.87 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/10/2025 | 770 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Guaranteed Rate |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.04 | 0.96 |  |  |  |  |  |  |  | 05/01/2055 | $119338.82 | 34.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 12.75 | Retail |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251293 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2102.17 | $2102.17 | 6.875% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 1 | $1019.76 | $423.00 | $84.98 | $35.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/10/2025 | 782 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Guaranteed Rate |  |  |  | $0.00 | 2.1 |  |  |  | N/A | No | 6.875% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.03 | 0.97 |  |  |  |  |  |  |  | 05/01/2055 | $151608.73 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 65.31 | Retail |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251323 |  |  | N/A |  |  |  | No | No |  |  |  |  | $3426.15 | $3426.15 | 7.500% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | $4628.88 | $1649.04 | $385.74 | $137.42 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/07/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Guaranteed Rate |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.500% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.16 | 0.86 |  |  |  |  |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | No | 23.94 | Retail |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251332 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2908.73 | $2908.73 | 7.500% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | $2666.76 | $1416.96 | $222.23 | $118.08 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/24/2025 | 733 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | Guaranteed Rate |  |  |  | $0.00 | 4.6 |  |  |  | N/A | No | 7.500% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1 | 1 |  |  |  |  |  |  |  | 05/01/2055 | $1154746.87 |  | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Trustee | Individual | Trustee |  |  |  |  |  |  |  |  |  |  | No | Trustee | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 355.41 | Retail |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251363 |  |  | N/A |  |  |  | No | No |  |  |  |  | $3534.71 | $3534.71 | 7.875% | No | No |  |  |  |  | 0 |  |  | US Citizen | US Citizen |  |  |  |  |  | 2 | $13926.84 | $3198.12 | $1160.57 | $266.51 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 02/03/2025 | 763 | 749 | 789 | 791 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Level 1-Not Stated/Not Verified |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.21 | 0.83 |  |  |  |  |  |  |  | 05/01/2055 | $103175.69 | 16.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  | 32.09 | Retail |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251231 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2683.75 | $2683.75 | 7.125% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | $7923.24 | $1511.40 | $660.27 | $125.95 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 04/03/2025 | 723 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.01 | 0.99 |  |  |  |  |  |  | 240 | 05/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 70.54 | Retail |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20251305 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $1729.00 | $4393.79 |  | 7.068% | $3256.69 | $3256.69 | 6.990% | No | No | Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $22176.29 | 1 | $5885.04 | $1771.08 | $490.42 | $147.59 |  |  |  |  |  | 31.502% | 31.502% | 31.502% | 02/06/2025 | 763 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; Paystubs - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; W-2 - 2024 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 1084 or income worksheet - Year Not Available | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $1729.00 |  | 6.870% | $0.00 | 2.7 | DU |  | ApproveEligible | N/A | No | 6.990% | 1 |  | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | Not Stated |  |  |  | 04/01/2055 | $550232.91 | 79.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 63.54 | Retail | No | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251418 |  |  | Safe Harbor QM (APOR) |  |  |  | Yes | Yes | $514.00 | $3283.90 |  | 7.021% | $2442.52 | $2442.52 | 6.990% | No | No | Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $18502.55 | 1 | $3699.00 | $861.00 | $308.25 | $71.75 |  |  |  |  |  | 38.044% | 38.044% | 38.044% | 02/11/2025 | 780 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  | [Borrower - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Borrower - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Employment Only - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025 | [Borrower]; 4506-C - 2024<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2023<br> [Borrower]; 4506-C - 2022<br> [Borrower]; 4506-C - 2022<br> [Coborrower]; 4506-C - 2024<br> [Coborrower]; 4506-C - 2023<br> [Coborrower]; 4506-C - 2022 | Full Documentation (F) | 1yr Full Doc |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  |  | $514.00 |  | 6.850% | $5000.00 | 3.1 | LP / LPA |  | Accept/Eligible | N/A | No | 6.990% | 0 | 0 | 0 | 0 | 3 | 0 |  |  | 0.00 | No |  |  |  |  |  | No |  |  |  | 05/01/2055 | $256860.46 | 52.000% | No | 25 | 25 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 43.1 | Retail | No | No | [Redacted] | $0.00 | $15030.81 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20251228 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1654.91 | $1654.91 | 7.750% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $1843.56 | $951.24 | $153.63 | $79.27 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/21/2025 | 799 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ARCHome |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.750% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.06 | 0.94 |  |  |  |  |  |  |  | 05/01/2055 |  |  | No |  |  |  |  | Yes | Preliminary | Fee Simple | LLC | Business Entity | Individual | Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 10.67 | Retail |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 |  |  |  |  |  |  | No | No | No | No |
|  | 20251240 |  |  | N/A |  |  |  | No | No |  |  |  |  | $2351.64 | $2351.64 | 7.625% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 2 | $7191.36 | $3206.64 | $599.28 | $267.22 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/24/2025 | 797 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | Yes |  | ARCHome |  |  |  | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.65 | 0.61 |  |  |  |  |  |  |  | 06/01/2055 |  |  | No |  |  |  |  | Yes | Commitment | Fee Simple | LLC | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  | No | 6.46 | Retail |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250602 |  |  | N/A |  |  |  | No | No |  |  |  |  | $5318.20 | $5318.20 | 7.375% | No | No |  |  |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  |  | 1 | $10931.88 | $2499.00 | $910.99 | $208.25 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/25/2025 | 798 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 | 1 |  |  |  | N/A | No | 7.375% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 0.91 | 1.1 |  |  |  |  |  |  |  | 04/01/2055 | $2946097.85 | 100.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 440.93 |  |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250637 |  |  | N/A |  |  |  | No | No |  |  |  |  | $1075.28 | $1075.28 | 7.625% | No | No |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  |  | 2 | $3595.92 | $1535.04 | $299.66 | $127.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 03/13/2025 | 792 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 |  |  |  |  | No | No | 7.625% | 0 |  | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.46 | 0.68 |  |  |  |  |  |  |  | 04/01/2055 | $51289.78 |  | No |  |  |  |  | Yes | Final | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  | Yes | 124.79 |  |  |  | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250693 |  |  | N/A |  |  |  | No | No |  |  |  |  | $773.43 | $773.43 | 7.125% | No | No |  |  |  |  |  |  |  | US Citizen |  |  |  |  |  |  | 1 | $1536.12 | $1103.04 | $128.01 | $91.92 |  |  |  |  |  | 0.000% | 0.000% | 0.000% | 01/27/2025 | 789 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | No |  |  |  |  |  |  |  |  |  | DSCR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 | No |  | ClearEdge Lending |  |  |  | $0.00 | 1 |  |  |  | Yes | No | 7.125% | 0 | 0 | 0 | 0 | 0 | 0 |  |  | 0.00 | No | 1.52 | 0.65 |  |  |  |  |  |  |  | 04/01/2055 | $1600.00 | 1.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Corp | Business Entity | Individual | Guarantor - Individual |  |  |  |  |  |  |  |  |  |  | Yes | Business Entity | No |  | No |  |  |  | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 167.63 |  |  |  | [Redacted] | $0.00 | $0.00 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | No | No | No | No |
|  | 20250581 |  |  | Non QM |  |  |  | Yes | No | $11237.00 | $2528.98 |  | 7.678% | $3357.77 | $3357.77 | 7.625% | No | No | Self-Employed | Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $5152.19 | 1 | $3164.04 | $0.00 | $263.67 | $0.00 |  |  |  |  |  | 47.819% | 47.819% | 47.819% | 01/11/2025 | 781 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Personal | 48.000% | 100.000% |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Personal - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| 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 - \| 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 - \| 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 - \| 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 - \| Primary Income - Bank Statements \| % of Business Ownership: 100.00% \| Expense Ratio: 50.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2004<br> [Borrower - \| Non-Primary Income - Social Security]; Award Letter / Continuance Letter - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; The Work Number - Income - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; VVOE - 2025<br> [Coborrower(s) - \| Primary Income - Wages]; Paystubs - 2024<br> [Coborrower(s) - \| Primary Income - Wages]; W-2 - 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 |  |  | ClearEdge Lending | $11237.00 |  | 6.930% | $0.00 |  |  |  |  | N/A | No | 7.625% | 0 | 1 | 0 | 0 | 0 | 0 | 12 |  | 0.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2055 | $128375.26 | 22.000% | No |  | 37 |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) |  | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 26.22 |  |  | No | [Redacted] | $0.00 | $4116.68 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250677 |  |  | N/A |  |  |  | No | No | $10725.00 | $11786.67 |  | 8.174% | $2987.29 | $2987.29 | 7.875% | No | No | Self-Employed | Self-Employed |  |  |  |  | US Citizen | US Citizen |  |  |  |  |  | $100908.06 | 1 | $7924.56 | $3881.88 | $660.38 | $323.49 |  |  |  |  |  | 18.132% | 18.132% | 18.132% | 01/17/2025 | 771 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 12 | Business | 100.000% | 33.330% | 33.330% |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 88.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; CPA Letter - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 88.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 88.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 88.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Account Statements - Business - 2024<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: 33.33% \| Expense Ratio: 88.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 12]; Other - 2020<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; CPA Letter - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Third Party Verification - 2025<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Account Statements - Business - 2024<br> [Coborrower(s) - \| Primary Income - Shared Bank Statements]; Other - 2020 | [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 |  |  | ClearEdge Lending | $10725.00 |  | 6.930% | $2000.00 | 3.9 |  |  |  | Yes | No | 7.875% | 0 | 0 | 0 | 0 | 0 | 0 |  | 12 | 0.00 | No |  |  |  |  |  |  |  |  |  | 03/01/2055 | $415532.46 | 81.000% | No |  |  |  |  | Yes | Commitment | Fee Simple | Individual | Individual | Individual | Individual |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 | Fair Isaac (VER. 2) | FICO Classic V5 Facta | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  | 72.7 |  | No | No | [Redacted] | $61628.59 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |
|  | 20250587 |  |  | Non QM |  |  |  | Yes | No | $9425.25 | $13743.91 |  | 7.324% | $3268.59 | $4309.42 | 7.125% | No | No | Self-Employed |  |  |  |  |  | US Citizen |  |  |  |  |  |  | $20030.16 | 1 | $9174.96 | $3398.76 | $764.58 | $283.23 |  |  |  |  |  | 39.243% | 36.086% | 39.243% | 01/16/2025 | 774 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No | Yes | 24 | Personal | 100.000% |  |  |  | [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Other - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Telephone Listing / Internet Search / Directory Assistance - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Third Party Verification - 2025<br> [Borrower - \| Primary Income - Bank Statements \| % of Business Ownership: % \| Expense Ratio: 10.00000% \| Expense Ratio Source: Fixed \| # of Bank Statements Required: 24]; Account Statements - Personal - 2024 | [Borrower]; 1084 or income worksheet - Year Not Available | Alternative Documentation (A) | 24mo Bank Statement |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | 0 | 0 |  |  | ClearEdge Lending | $9425.25 |  | 7.070% | $0.00 | 1 | DU |  | ApproveEligible | N/A | No | 7.125% | 0 |  | 0 | 0 | 0 | 0 | 24 |  | 0.00 | No |  |  |  |  |  |  |  |  | 240 | 04/01/2055 | $341654.00 | 47.000% | No |  |  |  |  | Yes | Preliminary | Fee Simple | Individual | Individual |  |  |  |  |  |  |  |  |  |  |  |  | No | Individual | No |  | No | Fair Isaac (VER. 2) | Beacon 5 | FICO Risk Score Classic 04 |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 31.21 |  | Yes | No | [Redacted] | $0.00 | $0.00 |  |  |  |  |  |  |  |  |  |  |  |  | No | No | No | No |

---

## Exhibit 99.6

[GCAT DEPOSITOR VI LLC ABS-15G](gcatnqm-abs15g.htm)

**Exhibit 99.6**

---

| | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **AMC Loan ID** | **Loan ID** | **Seller Loan ID** | **Servicer Loan ID** | **Investor Loan Number** | **Field Label** | **Bid Tape Field Value** | **Field Value** | **Compare Status** | **Comment** |
|  | 20250501 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 20250502 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250502 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250503 |  |  |  | Investor: Qualifying Total Debt Ratio | 0.33658 | 33.55564 | Verified | Tape Data Decimal Point is in the incorrect position. |
|  | 20250573 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 20250573 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250573 |  |  |  | Representative FICO | 680 |  | Verified | Unable to verify due to missing information |
|  | 20250575 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250578 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250578 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250578 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250579 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 20250579 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250579 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250579 |  |  |  | Subject Debt Service Coverage Ratio | 1.10 | 1.21 | Verified | Field value reflects source document |
|  | 20250585 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Loan is a refinance |
|  | 20250586 |  |  |  | Investor: Qualifying Total Debt Ratio | 27.766 | 25.50522 | Verified | Difference due to the qualifying rate used by lender vs the one used in review. |
|  | 20250589 |  |  |  | City | [Redacted] | [Redacted] | Verified | Field Value reflects City per Note |
|  | 20250589 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Refinance |
|  | 20250589 |  |  |  | Investor: Qualifying Total Debt Ratio | 44.362 | 39.00735 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 20250590 |  |  |  | Investor: Qualifying Total Debt Ratio | 40.61 | 44.0632 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 20250591 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250591 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250592 |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20250593 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250597 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 20250600 |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20250606 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 20250606 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250606 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250607 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250610 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 20250611 |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20250618 |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 20250618 |  |  |  | Coborrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 20250618 |  |  |  | Coborrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 20250618 |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 20250618 |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 20250618 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250618 |  |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
|  | 20250618 |  |  |  | Original P&I | 3891.00 | 3933.50 | Verified | Field Value reflects Note value |
|  | 20250618 |  |  |  | Representative FICO | 725 | 749 |  |  |
|  | 20250618 |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 20250618 |  |  |  | Doc Type |  | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
|  | 20250618 |  |  |  | Cash To Borrower | 125937.83 | 120421.80 | Verified | Field value reflects source document |
|  | 20250618 |  |  |  | Appraisal Effective Date | [Redacted] | [Redacted] | Verified | Field Value captured from Valuation model in file |
|  | 20250618 |  |  |  | Product Description | Prime Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 20250618 |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 20250618 |  |  |  | Borrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
|  | 20250618 |  |  |  | Coborrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
|  | 20250618 |  |  |  | Total Income |  | 12977.72 | Verified | Field value reflects source document |
|  | 20250618 |  |  |  | Original HLTV |  | 80 | Verified | Field value reflects source document |
|  | 20250618 |  |  |  | PITIA Reserves Months | 6.00 | 23.31 | Verified | Field value reflects source document |
|  | 20250618 |  |  |  | Universal Loan Identifier (ULI) | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250618 |  |  |  | Last Property Transfer Date |  | 2023-06-21 | Verified | Field value reflects source document |
|  | 20250618 |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250621 |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 20250621 |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 20250621 |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 20250621 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250621 |  |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
|  | 20250621 |  |  |  | Original P&I |  | 13679.17 | Verified | Field Value reflects Note value |
|  | 20250621 |  |  |  | Interest Only |  | 1 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 20250621 |  |  |  | Doc Type |  | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
|  | 20250621 |  |  |  | Cash To Borrower | 1479961.00 | 9546.24 | Verified | Field value reflects source document |
|  | 20250621 |  |  |  | Appraisal Effective Date | [Redacted] | [Redacted] | Verified | Tape Value reflects Appraisal Date |
|  | 20250621 |  |  |  | Product Description | Prime Connect | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
|  | 20250621 |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 20250621 |  |  |  | Borrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
|  | 20250621 |  |  |  | Total Income |  | 61455.91 | Verified | Field value reflects source document |
|  | 20250621 |  |  |  | Investor: Qualifying Total Debt Ratio | 40.38 | 37.9796 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 20250621 |  |  |  | Original HLTV |  | 70 | Verified | Field value reflects source document |
|  | 20250621 |  |  |  | PITIA Reserves Months | 60.00 | 64.88 | Verified | Field value reflects source document |
|  | 20250621 |  |  |  | Universal Loan Identifier (ULI) | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250621 |  |  |  | Last Property Transfer Date |  | 1993-01-26 | Verified | Field value reflects source document |
|  | 20250621 |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250622 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 20250622 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250622 |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 20250622 |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 20250622 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250622 |  |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
|  | 20250622 |  |  |  | Original P&I | 0.00 | 3418.84 | Verified | Field Value reflects Note value |
|  | 20250622 |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 20250622 |  |  |  | Cash To Borrower | 170362.36 | 165390.43 | Verified | Field value reflects source document |
|  | 20250622 |  |  |  | Appraisal Effective Date | [Redacted] | [Redacted] | Verified | Tape Value reflects Appraisal Date |
|  | 20250622 |  |  |  | Product Description | Investor Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 20250622 |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 20250622 |  |  |  | Original HLTV |  | 75 | Verified | Field value reflects source document |
|  | 20250622 |  |  |  | PITIA Reserves Months | 6.00 | 38.33 | Verified | Field value reflects source document |
|  | 20250622 |  |  |  | Borrower Citizenship | US Citizen |  | Verified | Unable to verify due to missing information |
|  | 20250622 |  |  |  | Last Property Transfer Date |  | 2023-06-23 | Verified | Field value reflects source document |
|  | 20250622 |  |  |  | Loan Property Count | 2 | 1 | Verified | Field value reflects source document |
|  | 20250622 |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 20250622 |  |  |  | Blanket Mortgage? |  | 0 | Verified | Field value reflects source document |
|  | 20250622 |  |  |  | Borrower EIN | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250623 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250623 |  |  |  | Original P&I | 0.00 | 3626.04 | Verified | Field Value reflects Note value |
|  | 20250623 |  |  |  | Cash To Borrower | 228965.88 | 154719.37 | Verified | Field value reflects source document |
|  | 20250623 |  |  |  | Appraisal Effective Date | [Redacted] | [Redacted] | Verified | Tape Value reflects Appraisal Date |
|  | 20250623 |  |  |  | Product Description | Investor Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 20250623 |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 20250623 |  |  |  | Original HLTV |  | 75 | Verified | Field value reflects source document |
|  | 20250623 |  |  |  | PITIA Reserves Months | 6.00 | 34.29 | Verified | Field value reflects source document |
|  | 20250623 |  |  |  | Borrower Citizenship | US Citizen |  | Verified | Field value reflects source document |
|  | 20250623 |  |  |  | Universal Loan Identifier (ULI) | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250623 |  |  |  | Last Property Transfer Date |  | 2023-06-22 | Verified | Field value reflects source document |
|  | 20250623 |  |  |  | Loan to Cost (LTC) |  | 116.66667 | Verified | Field value reflects source document |
|  | 20250623 |  |  |  | Loan Property Count | 2 | 1 | Verified | Field value reflects source document |
|  | 20250623 |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250623 |  |  |  | Blanket Mortgage? |  | 0 | Verified | Field value reflects source document |
|  | 20250623 |  |  |  | Borrower EIN | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250624 |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 20250624 |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 20250624 |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 20250624 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250624 |  |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
|  | 20250624 |  |  |  | Original P&I |  | 2940.93 | Verified | Field Value reflects Note value |
|  | 20250624 |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note rider |
|  | 20250624 |  |  |  | Doc Type |  | 12mo CPA P&L | Verified | Field Value reflects documentation located in origination file |
|  | 20250624 |  |  |  | Appraisal Effective Date | [Redacted] | [Redacted] | Verified | Tape Value reflects Appraisal Date |
|  | 20250624 |  |  |  | Product Description | Prime Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 20250624 |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 20250624 |  |  |  | Cash From Borrower |  | 116748.62 | Verified | Field value reflects source document |
|  | 20250624 |  |  |  | Total Income |  | 8822.43 | Verified | Field value reflects source document |
|  | 20250624 |  |  |  | Original HLTV |  | 80 | Verified | Field value reflects source document |
|  | 20250624 |  |  |  | PITIA Reserves Months | 6.00 | 26.07 | Verified | Field value reflects source document |
|  | 20250624 |  |  |  | Universal Loan Identifier (ULI) | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250624 |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250626 |  |  |  | City | [Redacted] | [Redacted] | Verified | Field Value reflects City per Note |
|  | 20250626 |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 20250626 |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 20250626 |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 20250626 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250626 |  |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
|  | 20250626 |  |  |  | Original P&I |  | 3590.54 | Verified | Field Value reflects Note value |
|  | 20250626 |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 20250626 |  |  |  | Doc Type |  | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
|  | 20250626 |  |  |  | Appraisal Effective Date | [Redacted] | [Redacted] | Verified | Tape Value reflects Appraisal Date |
|  | 20250626 |  |  |  | Product Description | Prime Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 20250626 |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 20250626 |  |  |  | Cash From Borrower |  | 160494.72 | Verified | Field value reflects source document |
|  | 20250626 |  |  |  | Total Income |  | 84552.51 | Verified | Field value reflects source document |
|  | 20250626 |  |  |  | Original HLTV |  | 80 | Verified | Field value reflects source document |
|  | 20250626 |  |  |  | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
|  | 20250626 |  |  |  | PITIA Reserves Months | 6.00 | 15.34 | Verified | Field value reflects source document |
|  | 20250626 |  |  |  | Universal Loan Identifier (ULI) | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250626 |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250632 |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 20250632 |  |  |  | Coborrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 20250632 |  |  |  | Coborrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 20250632 |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 20250632 |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 20250632 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250632 |  |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
|  | 20250632 |  |  |  | Original P&I |  | 9480.56 | Verified | Field Value reflects Note value |
|  | 20250632 |  |  |  | Representative FICO | 779 | 767 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
|  | 20250632 |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 20250632 |  |  |  | Doc Type | Full | 2yr Full Doc | Verified | Field Value reflects documentation located in origination file |
|  | 20250632 |  |  |  | Appraisal Effective Date | [Redacted] | [Redacted] | Verified | Tape Value reflects Appraisal Date |
|  | 20250632 |  |  |  | Product Description | Prime Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 20250632 |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 20250632 |  |  |  | Coborrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
|  | 20250632 |  |  |  | Cash From Borrower |  | 1645644.00 | Verified | Field value reflects source document |
|  | 20250632 |  |  |  | Total Income |  | 46543.73 | Verified | Field value reflects source document |
|  | 20250632 |  |  |  | Investor: Qualifying Total Debt Ratio | 36.28 | 40.77387 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 20250632 |  |  |  | Original HLTV |  | 47.5 | Verified | Field value reflects source document |
|  | 20250632 |  |  |  | PITIA Reserves Months | 6.00 | 112.04 | Verified | Field value reflects source document |
|  | 20250632 |  |  |  | Universal Loan Identifier (ULI) | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250632 |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250634 |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 20250634 |  |  |  | Coborrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 20250634 |  |  |  | Coborrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 20250634 |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 20250634 |  |  |  | Original Loan Amount | 281250.00 | 273750.00 | Verified | Field Value reflects the Note value |
|  | 20250634 |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 20250634 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250634 |  |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
|  | 20250634 |  |  |  | Original P&I |  | 1914.10 | Verified | Field Value reflects Note value |
|  | 20250634 |  |  |  | Representative FICO | 710 | 714 |  |  |
|  | 20250634 |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20250634 |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 20250634 |  |  |  | Doc Type | Full | Retirement Income - Fully Verified | Verified | Field Value reflects documentation located in origination file |
|  | 20250634 |  |  |  | Appraised Value | [Redacted] | [Redacted] | Verified | Field Value captured from Valuation model in file |
|  | 20250634 |  |  |  | Cash To Borrower | 264034.00 | 137779.34 | Verified | Field value reflects source document |
|  | 20250634 |  |  |  | Appraisal Effective Date | [Redacted] | [Redacted] | Verified | Tape Value reflects Appraisal Date |
|  | 20250634 |  |  |  | Product Description | Prime Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 20250634 |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 20250634 |  |  |  | Borrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
|  | 20250634 |  |  |  | Coborrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
|  | 20250634 |  |  |  | Total Income |  | 8796.03 | Verified | Field value reflects source document |
|  | 20250634 |  |  |  | Investor: Qualifying Total Debt Ratio | 38.33 | 41.44768 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 20250634 |  |  |  | Original HLTV |  | 75 | Verified | Field value reflects source document |
|  | 20250634 |  |  |  | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
|  | 20250634 |  |  |  | PITIA Reserves Months | 6.00 | 51.61 | Verified | Field value reflects source document |
|  | 20250634 |  |  |  | Universal Loan Identifier (ULI) | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250634 |  |  |  | Last Property Transfer Date |  | 2006-03-23 | Verified | Field value reflects source document |
|  | 20250634 |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 20250637 |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 20250637 |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 20250637 |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 20250637 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250637 |  |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
|  | 20250637 |  |  |  | Original P&I | 0.00 | 1075.28 | Verified | Field Value reflects Note value |
|  | 20250637 |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 20250637 |  |  |  | Appraised Value | [Redacted] | [Redacted] | Verified | Field Value captured from Valuation model in file |
|  | 20250637 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250637 |  |  |  | Cash To Borrower |  | 136256.05 | Verified | Field value reflects source document |
|  | 20250637 |  |  |  | Appraisal Effective Date | [Redacted] | [Redacted] | Verified | Tape Value reflects Appraisal Date |
|  | 20250637 |  |  |  | Product Description | Investor Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 20250637 |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 20250637 |  |  |  | Borrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
|  | 20250637 |  |  |  | Original HLTV |  | 80 | Verified | Delayed financing |
|  | 20250637 |  |  |  | PITIA Reserves Months | 6.00 | 124.79 | Verified | Field value reflects source document |
|  | 20250637 |  |  |  | Universal Loan Identifier (ULI) | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250637 |  |  |  | Last Property Transfer Date |  | 2024-01-25 | Verified | Field value reflects source document |
|  | 20250637 |  |  |  | Loan to Cost (LTC) |  | 80.38095 | Verified | Field value reflects source document |
|  | 20250637 |  |  |  | Loan Property Count | 2 | 1 | Verified | Field value reflects source document |
|  | 20250637 |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250637 |  |  |  | Blanket Mortgage? |  | 0 | Verified | Field value reflects source document |
|  | 20250642 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250642 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250642 |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 20250642 |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 20250642 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250642 |  |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
|  | 20250642 |  |  |  | Original P&I | 0.00 | 1796.32 | Verified | Field Value reflects Note value |
|  | 20250642 |  |  |  | Interest Only |  | 0 | Verified | Unable to verify due to missing information |
|  | 20250642 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250642 |  |  |  | Cash To Borrower | 257480.60 | 257202.70 | Verified | Field value reflects source document |
|  | 20250642 |  |  |  | Appraisal Effective Date | [Redacted] | [Redacted] | Verified | Tape Value reflects Appraisal Date |
|  | 20250642 |  |  |  | Product Description | Investor Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 20250642 |  |  |  | Neg Am |  | 0 | Verified | Unable to verify due to missing information |
|  | 20250642 |  |  |  | Original HLTV |  | 75 | Verified | Field value reflects source document |
|  | 20250642 |  |  |  | PITIA Reserves Months | 6.00 | 136.21 | Verified | Field value reflects source document |
|  | 20250642 |  |  |  | Borrower Citizenship | US Citizen |  | Verified | Field value reflects source document |
|  | 20250642 |  |  |  | Last Property Transfer Date |  | 2024-01-29 | Verified | Field value reflects source document |
|  | 20250642 |  |  |  | Loan to Cost (LTC) |  | 1227.27273 | Verified | Field value reflects source document |
|  | 20250642 |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250642 |  |  |  | Blanket Mortgage? |  | 0 | Verified | Unable to verify due to missing information |
|  | 20250642 |  |  |  | Borrower EIN | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250643 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250643 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250643 |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 20250643 |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 20250643 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250643 |  |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
|  | 20250643 |  |  |  | Original P&I | 0.00 | 2622.05 | Verified | Field Value reflects Note value |
|  | 20250643 |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 20250643 |  |  |  | Doc Type | Reduced | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
|  | 20250643 |  |  |  | Cash To Borrower | 347892.15 | 347013.27 | Verified | Field value reflects source document |
|  | 20250643 |  |  |  | Appraisal Effective Date | [Redacted] | [Redacted] | Verified | Tape Value reflects Appraisal Date |
|  | 20250643 |  |  |  | Product Description | Prime Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 20250643 |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 20250643 |  |  |  | Total Income |  | 93821.29 | Verified | Field value reflects source document |
|  | 20250643 |  |  |  | Investor: Qualifying Total Debt Ratio | 47.706 | 13.07279 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
|  | 20250643 |  |  |  | Original HLTV |  | 73.52941 | Verified | Field value reflects source document |
|  | 20250643 |  |  |  | PITIA Reserves Months | 6.00 | 87.27 | Verified | Field value reflects source document |
|  | 20250643 |  |  |  | Borrower Citizenship | US Citizen |  | Verified | Field value reflects source document |
|  | 20250643 |  |  |  | Universal Loan Identifier (ULI) | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250643 |  |  |  | Last Property Transfer Date |  | 2021-08-26 | Verified | Field value reflects source document |
|  | 20250643 |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250643 |  |  |  | Borrower EIN | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250644 |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 20250644 |  |  |  | Coborrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 20250644 |  |  |  | Coborrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 20250644 |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 20250644 |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 20250644 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250644 |  |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
|  | 20250644 |  |  |  | Original P&I |  | 1202.65 | Verified | Field Value reflects Note value |
|  | 20250644 |  |  |  | Property Type |  | Condo (Low Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20250644 |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 20250644 |  |  |  | Doc Type |  | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
|  | 20250644 |  |  |  | Appraisal Effective Date | [Redacted] | [Redacted] | Verified | Tape Value reflects Appraisal Date |
|  | 20250644 |  |  |  | Product Description | Prime Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 20250644 |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 20250644 |  |  |  | Coborrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
|  | 20250644 |  |  |  | Cash From Borrower |  | 58128.59 | Verified | Field value reflects source document |
|  | 20250644 |  |  |  | Total Income |  | 202000.00 | Verified | Field value reflects source document |
|  | 20250644 |  |  |  | Original HLTV |  | 80 | Verified | Field value reflects source document |
|  | 20250644 |  |  |  | PITIA Reserves Months | 6.00 | 52.55 | Verified | Field value reflects source document |
|  | 20250644 |  |  |  | Universal Loan Identifier (ULI) | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250644 |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250645 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250645 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250645 |  |  |  | Coborrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 20250645 |  |  |  | Coborrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 20250645 |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 20250645 |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 20250645 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250645 |  |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
|  | 20250645 |  |  |  | Original P&I | 0.00 | 689.06 | Verified | Field Value reflects Note value |
|  | 20250645 |  |  |  | Interest Only |  | 1 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 20250645 |  |  |  | Cash To Borrower | 120763.49 | 106509.45 | Verified | Field value reflects source document |
|  | 20250645 |  |  |  | Appraisal Effective Date | [Redacted] | [Redacted] | Verified | Tape Value reflects Appraisal Date |
|  | 20250645 |  |  |  | Product Description | Investor Connect | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
|  | 20250645 |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 20250645 |  |  |  | Coborrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
|  | 20250645 |  |  |  | Original HLTV |  | 70 | Verified | Field value reflects source document |
|  | 20250645 |  |  |  | PITIA Reserves Months | 6.00 | 98.57 | Verified | Field value reflects source document |
|  | 20250645 |  |  |  | Borrower Citizenship | US Citizen |  | Verified | Field value reflects source document |
|  | 20250645 |  |  |  | Last Property Transfer Date |  | 2021-09-03 | Verified | Field value reflects source document |
|  | 20250645 |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250645 |  |  |  | Blanket Mortgage? |  | 0 | Verified | Field value reflects source document |
|  | 20250645 |  |  |  | Borrower EIN | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250646 |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 20250646 |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 20250646 |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 20250646 |  |  |  | Amortization Term |  | 480 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250646 |  |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
|  | 20250646 |  |  |  | Original P&I | 2902.00 | 2633.49 | Verified | Field Value reflects Note value |
|  | 20250646 |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 20250646 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250646 |  |  |  | Cash To Borrower | 25474.49 | 29643.85 | Verified | Field value reflects source document |
|  | 20250646 |  |  |  | Appraisal Effective Date | [Redacted] | [Redacted] | Verified | Tape Value reflects Appraisal Date |
|  | 20250646 |  |  |  | Product Description | Investor Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 20250646 |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 20250646 |  |  |  | Borrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
|  | 20250646 |  |  |  | Original HLTV |  | 75 | Verified | Field value reflects source document |
|  | 20250646 |  |  |  | PITIA Reserves Months | 6.00 | 10.00 | Verified | Field value reflects source document |
|  | 20250646 |  |  |  | Last Property Transfer Date |  | 2021-12-30 | Verified | Field value reflects source document |
|  | 20250646 |  |  |  | Loan to Cost (LTC) |  | 109.78261 | Verified | Field value reflects source document |
|  | 20250646 |  |  |  | Loan Property Count | 2 | 1 | Verified | Field value reflects source document |
|  | 20250646 |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250646 |  |  |  | Blanket Mortgage? |  | 0 | Verified | Field value reflects source document |
|  | 20250647 |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 20250647 |  |  |  | Coborrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 20250647 |  |  |  | Coborrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 20250647 |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 20250647 |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 20250647 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250647 |  |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
|  | 20250647 |  |  |  | Original P&I |  | 1768.13 | Verified | Field Value reflects Note value |
|  | 20250647 |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 20250647 |  |  |  | Doc Type | Reduced | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
|  | 20250647 |  |  |  | Cash To Borrower | 102600.00 | 97730.90 | Verified | Field value reflects source document |
|  | 20250647 |  |  |  | Appraisal Effective Date | [Redacted] | [Redacted] | Verified | Tape Value reflects Appraisal Date |
|  | 20250647 |  |  |  | Product Description | Prime Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 20250647 |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 20250647 |  |  |  | Borrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
|  | 20250647 |  |  |  | Coborrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
|  | 20250647 |  |  |  | Total Income |  | 9284.90 | Verified | Field value reflects source document |
|  | 20250647 |  |  |  | Investor: Qualifying Total Debt Ratio | 40 | 34.47899 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 20250647 |  |  |  | Original HLTV |  | 80 | Verified | Field value reflects source document |
|  | 20250647 |  |  |  | PITIA Reserves Months | 6.00 | 44.00 | Verified | Field value reflects source document |
|  | 20250647 |  |  |  | Universal Loan Identifier (ULI) | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250647 |  |  |  | Last Property Transfer Date |  | 2015-11-16 | Verified | Field value reflects source document |
|  | 20250647 |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250649 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250649 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250649 |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 20250649 |  |  |  | Original Loan Amount | 340000.00 | 344000.00 | Verified | Field Value reflects the Note value |
|  | 20250649 |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 20250649 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250649 |  |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
|  | 20250649 |  |  |  | Original P&I |  | 2405.30 | Verified | Field Value reflects Note value |
|  | 20250649 |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 20250649 |  |  |  | Appraised Value | [Redacted] | [Redacted] | Verified | Field Value captured from Valuation model in file |
|  | 20250649 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250649 |  |  |  | Appraisal Effective Date | [Redacted] | [Redacted] | Verified | Tape Value reflects Appraisal Date |
|  | 20250649 |  |  |  | Product Description | Investor Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 20250649 |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 20250649 |  |  |  | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
|  | 20250649 |  |  |  | Cash From Borrower |  | 107171.41 | Verified | Field value reflects source document |
|  | 20250649 |  |  |  | Original HLTV |  | 80 | Verified | Field value reflects source document |
|  | 20250649 |  |  |  | PITIA Reserves Months | 6.00 | 27.28 | Verified | Field value reflects source document |
|  | 20250649 |  |  |  | Borrower Citizenship | US Citizen |  | Verified | Field value reflects source document |
|  | 20250649 |  |  |  | Last Property Transfer Date |  | 2017-03-31 | Verified | Field value reflects source document |
|  | 20250649 |  |  |  | Loan to Cost (LTC) |  | 80 | Verified | Field value reflects source document |
|  | 20250649 |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250649 |  |  |  | Blanket Mortgage? |  | 0 | Verified | Field value reflects source document |
|  | 20250649 |  |  |  | Borrower EIN | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250650 |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 20250650 |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 20250650 |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 20250650 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250650 |  |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
|  | 20250650 |  |  |  | Original P&I |  | 8720.02 | Verified | Field Value reflects Note value |
|  | 20250650 |  |  |  | Interest Only |  | 0 | Verified | Tape Value reflects Modification 'Interest Only' |
|  | 20250650 |  |  |  | Doc Type |  | 12mo CPA P&L | Verified | Field Value reflects doc Type reflected on the Approval/AUS |
|  | 20250650 |  |  |  | Appraisal Effective Date | [Redacted] | [Redacted] | Verified | Tape Value reflects Appraisal Date |
|  | 20250650 |  |  |  | Product Description | Prime Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 20250650 |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 20250650 |  |  |  | Borrower FTHB | 1 | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
|  | 20250650 |  |  |  | Cash From Borrower |  | 351336.85 | Verified | Field value reflects source document |
|  | 20250650 |  |  |  | Total Income |  | 31662.00 | Verified | Field value reflects source document |
|  | 20250650 |  |  |  | Investor: Qualifying Total Debt Ratio | 40 | 36.64048 | Verified | Field Value DTI is higher than Tape value but within 3% and < 45% DTI |
|  | 20250650 |  |  |  | Original HLTV |  | 80 | Verified | Field value reflects source document |
|  | 20250650 |  |  |  | PITIA Reserves Months | 9.00 | 12.09 | Verified | Field value reflects source document |
|  | 20250650 |  |  |  | Universal Loan Identifier (ULI) | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250650 |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 20250652 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250652 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250652 |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 20250652 |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 20250652 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250652 |  |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
|  | 20250652 |  |  |  | Original P&I |  | 1894.83 | Verified | Field Value reflects Note value |
|  | 20250652 |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 20250652 |  |  |  | Appraisal Effective Date | [Redacted] | [Redacted] | Verified | Tape Value reflects Appraisal Date |
|  | 20250652 |  |  |  | Product Description | Investor Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 20250652 |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 20250652 |  |  |  | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
|  | 20250652 |  |  |  | Cash From Borrower |  | 105303.23 | Verified | Field value reflects source document |
|  | 20250652 |  |  |  | Original HLTV |  | 75 | Verified | Field value reflects source document |
|  | 20250652 |  |  |  | PITIA Reserves Months | 6.00 | 184.02 | Verified | Field value reflects source document |
|  | 20250652 |  |  |  | Borrower Citizenship | US Citizen |  | Verified | Field value reflects source document |
|  | 20250652 |  |  |  | Loan to Cost (LTC) |  | 75 | Verified | Field value reflects source document |
|  | 20250652 |  |  |  | Loan Property Count | 2 | 1 | Verified | Field value reflects source document |
|  | 20250652 |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250652 |  |  |  | Blanket Mortgage? |  | 0 | Verified | Field value reflects source document |
|  | 20250652 |  |  |  | Borrower EIN | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250654 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250654 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250654 |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 20250654 |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 20250654 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250654 |  |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
|  | 20250654 |  |  |  | Original P&I | 0.00 | 1050.02 | Verified | Field Value reflects Note value |
|  | 20250654 |  |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20250654 |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 20250654 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250654 |  |  |  | Cash To Borrower | 31962.02 | 30422.62 | Verified | Field value reflects source document |
|  | 20250654 |  |  |  | Appraisal Effective Date | [Redacted] | [Redacted] | Verified | Tape Value reflects Appraisal Date |
|  | 20250654 |  |  |  | Product Description | Investor Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 20250654 |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 20250654 |  |  |  | Original HLTV |  | 75 | Verified | Field value reflects source document |
|  | 20250654 |  |  |  | PITIA Reserves Months | 6.00 | 24.20 | Verified | Field value reflects source document |
|  | 20250654 |  |  |  | Borrower Citizenship | US Citizen |  | Verified | Field value reflects source document |
|  | 20250654 |  |  |  | Last Property Transfer Date |  | 2023-07-20 | Verified | Field value reflects source document |
|  | 20250654 |  |  |  | Loan to Cost (LTC) |  | 180 | Verified | Field value reflects source document |
|  | 20250654 |  |  |  | Blanket Mortgage? |  | 0 | Verified | Field value reflects source document |
|  | 20250654 |  |  |  | Borrower EIN | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250660 |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 20250660 |  |  |  | Coborrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 20250660 |  |  |  | Coborrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 20250660 |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 20250660 |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 20250660 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250660 |  |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
|  | 20250660 |  |  |  | Original P&I | 0.00 | 7766.03 | Verified | Field Value reflects Note value |
|  | 20250660 |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 20250660 |  |  |  | Doc Type |  | 1yr Full Doc | Verified | Field Value reflects documentation located in origination file |
|  | 20250660 |  |  |  | Cash To Borrower | 1000000.00 | 999803.44 | Verified | Field value reflects source document |
|  | 20250660 |  |  |  | Appraisal Effective Date | [Redacted] | [Redacted] | Verified | Tape Value reflects Appraisal Date |
|  | 20250660 |  |  |  | Product Description | Prime Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 20250660 |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 20250660 |  |  |  | Borrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
|  | 20250660 |  |  |  | Coborrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
|  | 20250660 |  |  |  | Total Income |  | 34597.00 | Verified | Field value reflects source document |
|  | 20250660 |  |  |  | Investor: Qualifying Total Debt Ratio | 28.623 | 31.80123 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 20250660 |  |  |  | Original HLTV |  | 66.36005 | Verified | Field value reflects source document |
|  | 20250660 |  |  |  | PITIA Reserves Months | 9.00 | 105.46 | Verified | Field value reflects source document |
|  | 20250660 |  |  |  | Universal Loan Identifier (ULI) | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250660 |  |  |  | Last Property Transfer Date |  | 2014-10-28 | Verified | Field value reflects source document |
|  | 20250660 |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250668 |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 20250668 |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 20250668 |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 20250668 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250668 |  |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
|  | 20250668 |  |  |  | Original P&I | 2040.00 | 3389.98 | Verified | Field Value reflects Note value |
|  | 20250668 |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 20250668 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Previous purchase price |
|  | 20250668 |  |  |  | Cash To Borrower | 142677.14 | 157044.04 | Verified | Field value reflects source document |
|  | 20250668 |  |  |  | Appraisal Effective Date | [Redacted] | [Redacted] | Verified | Tape Value reflects Appraisal Date |
|  | 20250668 |  |  |  | Product Description | Investor Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 20250668 |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 20250668 |  |  |  | Borrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
|  | 20250668 |  |  |  | Original HLTV |  | 69.11255 | Verified | Field value reflects source document |
|  | 20250668 |  |  |  | PITIA Reserves Months | 6.00 | 40.90 | Verified | Field value reflects source document |
|  | 20250668 |  |  |  | Last Property Transfer Date |  | 2021-03-30 | Verified | Field value reflects source document |
|  | 20250668 |  |  |  | Loan to Cost (LTC) |  | 142.97015 | Verified | system calculated |
|  | 20250668 |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250668 |  |  |  | Blanket Mortgage? |  | 0 | Verified | Field value reflects source document |
|  | 20250671 |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 20250671 |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 20250671 |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 20250671 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250671 |  |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
|  | 20250671 |  |  |  | Original P&I |  | 2431.18 | Verified | Field Value reflects Note value |
|  | 20250671 |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 20250671 |  |  |  | Cash To Borrower | 332041.00 | 340802.26 | Verified | Field value reflects source document |
|  | 20250671 |  |  |  | Appraisal Effective Date | [Redacted] | [Redacted] | Verified | Tape Value reflects Appraisal Date |
|  | 20250671 |  |  |  | Product Description | Investor Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 20250671 |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 20250671 |  |  |  | Borrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
|  | 20250671 |  |  |  | Original HLTV |  | 54.15385 | Verified | Field value reflects source document |
|  | 20250671 |  |  |  | PITIA Reserves Months | 97.00 | 99.01 | Verified | Field value reflects source document |
|  | 20250671 |  |  |  | Universal Loan Identifier (ULI) | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250671 |  |  |  | Last Property Transfer Date |  | 1997-05-01 | Verified | Field value reflects source document |
|  | 20250671 |  |  |  | Loan Property Count | 2 | 1 | Verified | Field value reflects source document |
|  | 20250671 |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250671 |  |  |  | Blanket Mortgage? |  | 0 | Verified | Field value reflects source document |
|  | 20250674 |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 20250674 |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 20250674 |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 20250674 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250674 |  |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
|  | 20250674 |  |  |  | Original P&I | 0.00 | 3185.07 | Verified | Field Value reflects Note value |
|  | 20250674 |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 20250674 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250674 |  |  |  | Cash To Borrower | 435000.00 | 74773.69 | Verified | Field value reflects source document |
|  | 20250674 |  |  |  | Appraisal Effective Date | [Redacted] | [Redacted] | Verified | Tape Value reflects Appraisal Date |
|  | 20250674 |  |  |  | Product Description | Investor Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 20250674 |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 20250674 |  |  |  | Borrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
|  | 20250674 |  |  |  | Original HLTV |  | 75 | Verified | Field value reflects source document |
|  | 20250674 |  |  |  | PITIA Reserves Months | 6.00 | 28.66 | Verified | Field value reflects source document |
|  | 20250674 |  |  |  | Last Property Transfer Date |  | 2024-06-17 | Verified | Field value reflects source document |
|  | 20250674 |  |  |  | Loan to Cost (LTC) |  | 80.35714 | Verified | Field value reflects source document |
|  | 20250674 |  |  |  | Loan Property Count | 3 | 1 | Verified | Field value reflects source document |
|  | 20250674 |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250674 |  |  |  | Blanket Mortgage? |  | 0 | Verified | Field value reflects source document |
|  | 20250675 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250675 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250675 |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 20250675 |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 20250675 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250675 |  |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
|  | 20250675 |  |  |  | Original P&I | 4300.00 | 3344.64 | Verified | Field Value reflects Note value |
|  | 20250675 |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 20250675 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250675 |  |  |  | Cash To Borrower | 107954.56 | 74603.37 | Verified | Field value reflects source document |
|  | 20250675 |  |  |  | Appraisal Effective Date | [Redacted] | [Redacted] | Verified | Tape Value reflects Appraisal Date |
|  | 20250675 |  |  |  | Product Description | Investor Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 20250675 |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 20250675 |  |  |  | Original HLTV |  | 70 | Verified | Field value reflects source document |
|  | 20250675 |  |  |  | PITIA Reserves Months | 6.00 | 29.81 | Verified | Field value reflects source document |
|  | 20250675 |  |  |  | Borrower Citizenship | US Citizen |  | Verified | Field value reflects source document |
|  | 20250675 |  |  |  | Universal Loan Identifier (ULI) | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250675 |  |  |  | Last Property Transfer Date |  | 2024-01-25 | Verified | Field value reflects source document |
|  | 20250675 |  |  |  | Loan to Cost (LTC) |  | 148.4 | Verified | Field value reflects source document |
|  | 20250675 |  |  |  | Loan Property Count | 2 | 1 | Verified | Field value reflects source document |
|  | 20250675 |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250675 |  |  |  | Blanket Mortgage? |  | 0 | Verified | Field value reflects source document |
|  | 20250675 |  |  |  | Borrower EIN | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250676 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250676 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250676 |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 20250676 |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 20250676 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250676 |  |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
|  | 20250676 |  |  |  | Original P&I | 2413.00 | 2995.99 | Verified | Field Value reflects Note value |
|  | 20250676 |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 20250676 |  |  |  | Appraisal Effective Date | [Redacted] | [Redacted] | Verified | Tape Value reflects Appraisal Date |
|  | 20250676 |  |  |  | Product Description | Investor Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 20250676 |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 20250676 |  |  |  | Cash From Borrower |  | 29490.90 | Verified | Field value reflects source document |
|  | 20250676 |  |  |  | Original HLTV |  | 80 | Verified | Field value reflects source document |
|  | 20250676 |  |  |  | PITIA Reserves Months | 6.00 | 11.44 | Verified | Field value reflects source document |
|  | 20250676 |  |  |  | Borrower Citizenship | US Citizen |  | Verified | Field value reflects source document |
|  | 20250676 |  |  |  | Last Property Transfer Date |  | 2024-08-14 | Verified | Field value reflects source document |
|  | 20250676 |  |  |  | Loan Property Count | 4 | 1 | Verified | Field value reflects source document |
|  | 20250676 |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250676 |  |  |  | Blanket Mortgage? |  | 0 | Verified | Field value reflects source document |
|  | 20250676 |  |  |  | Borrower EIN | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250677 |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 20250677 |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 20250677 |  |  |  | Coborrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 20250677 |  |  |  | Coborrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 20250677 |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 20250677 |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 20250677 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250677 |  |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
|  | 20250677 |  |  |  | Original P&I |  | 2987.29 | Verified | Field Value reflects Note value |
|  | 20250677 |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20250677 |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 20250677 |  |  |  | Doc Type |  | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
|  | 20250677 |  |  |  | Appraisal Effective Date | [Redacted] | [Redacted] | Verified | Field Value captured from Valuation model in file |
|  | 20250677 |  |  |  | Product Description | Prime Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 20250677 |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 20250677 |  |  |  | Coborrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
|  | 20250677 |  |  |  | Cash From Borrower |  | 122100.69 | Verified | Field value reflects source document |
|  | 20250677 |  |  |  | Total Income |  | 123257.18 | Verified | Field value reflects source document |
|  | 20250677 |  |  |  | Investor: Qualifying Total Debt Ratio | 3.18 | 18.1321 | Verified | Correctly updated as per document |
|  | 20250677 |  |  |  | Original HLTV |  | 80 | Verified | Field value reflects source document |
|  | 20250677 |  |  |  | PITIA Reserves Months | 6.00 | 72.70 | Verified | Field value reflects source document |
|  | 20250677 |  |  |  | Universal Loan Identifier (ULI) | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250677 |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250680 |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 20250680 |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 20250680 |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 20250680 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250680 |  |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
|  | 20250680 |  |  |  | Original P&I | 0.00 | 3529.35 | Verified | Field Value reflects Note value |
|  | 20250680 |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 20250680 |  |  |  | Doc Type |  | 12mo CPA P&L | Verified | Field Value reflects documentation located in origination file |
|  | 20250680 |  |  |  | Cash To Borrower | 183655.51 | 159545.53 | Verified | Field value reflects source document |
|  | 20250680 |  |  |  | Appraisal Effective Date | [Redacted] | [Redacted] | Verified | Tape Value reflects Appraisal Date |
|  | 20250680 |  |  |  | Product Description | Prime Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 20250680 |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 20250680 |  |  |  | Borrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
|  | 20250680 |  |  |  | Total Income |  | 9351.50 | Verified | Field value reflects source document |
|  | 20250680 |  |  |  | Original HLTV |  | 70 | Verified | Field value reflects source document |
|  | 20250680 |  |  |  | PITIA Reserves Months | 6.00 | 39.95 | Verified | Field value reflects source document |
|  | 20250680 |  |  |  | Universal Loan Identifier (ULI) | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250680 |  |  |  | Loan Property Count | 2 | 1 | Verified | Field value reflects source document |
|  | 20250680 |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250681 |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 20250681 |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 20250681 |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 20250681 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250681 |  |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
|  | 20250681 |  |  |  | Original P&I | 664.00 | 937.50 | Verified | Field Value reflects Note value |
|  | 20250681 |  |  |  | Interest Only |  | 1 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 20250681 |  |  |  | Doc Type | Alt | Asset Depletion | Verified | Field Value reflects documentation located in origination file |
|  | 20250681 |  |  |  | Refi Purpose | Cash-out - Other | Rate/Term |  |  |
|  | 20250681 |  |  |  | Cash To Borrower | 35360.93 | 550.50 | Verified | Field value reflects source document |
|  | 20250681 |  |  |  | Appraisal Effective Date | [Redacted] | [Redacted] | Verified | Tape Value reflects Appraisal Date |
|  | 20250681 |  |  |  | Product Description | Prime Connect | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
|  | 20250681 |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 20250681 |  |  |  | Borrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
|  | 20250681 |  |  |  | Total Income |  | 30977.77 | Verified | Field value reflects source document |
|  | 20250681 |  |  |  | Original HLTV |  | 20.27027 | Verified | Field value reflects source document |
|  | 20250681 |  |  |  | PITIA Reserves Months | 6.00 | 685.12 | Verified | Field value reflects source document |
|  | 20250681 |  |  |  | Universal Loan Identifier (ULI) | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250681 |  |  |  | Last Property Transfer Date |  | 2015-07-24 | Verified | Field value reflects source document |
|  | 20250681 |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 20250682 |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 20250682 |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 20250682 |  |  |  | Original Loan Amount | 771000.00 | 780000.00 | Verified | Field Value reflects the Note value |
|  | 20250682 |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 20250682 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250682 |  |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
|  | 20250682 |  |  |  | Original P&I | 3956.00 | 4875.00 | Verified | Field Value reflects Note value |
|  | 20250682 |  |  |  | Interest Only |  | 1 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 20250682 |  |  |  | Doc Type | Alt | Asset Depletion | Verified | Field Value reflects doc Type reflected on the Approval/AUS |
|  | 20250682 |  |  |  | Refi Purpose | Cash-out - Other | Rate/Term |  |  |
|  | 20250682 |  |  |  | Cash To Borrower | 242.60 | 93.09 | Verified | Field value reflects source document |
|  | 20250682 |  |  |  | Appraisal Effective Date | [Redacted] | [Redacted] | Verified | Tape Value reflects Appraisal Date |
|  | 20250682 |  |  |  | Product Description | Prime Connect | 10 Year Interest Only, Fixed Rate | Verified | Field value reflects source document |
|  | 20250682 |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 20250682 |  |  |  | Borrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
|  | 20250682 |  |  |  | Total Income |  | 30977.77 | Verified | Field value reflects source document |
|  | 20250682 |  |  |  | Investor: Qualifying Total Debt Ratio | 37.16 | 43.61721 | Verified | DTI 1008 40.939% |
|  | 20250682 |  |  |  | Original HLTV |  | 37.59036 | Verified | Field value reflects source document |
|  | 20250682 |  |  |  | PITIA Reserves Months | 9.00 | 251.46 | Verified | Field value reflects source document |
|  | 20250682 |  |  |  | Universal Loan Identifier (ULI) | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250682 |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 20250683 |  |  |  | City | [Redacted] | [Redacted] | Verified | Field Value reflects City per Note |
|  | 20250683 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250683 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250683 |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 20250683 |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 20250683 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250683 |  |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
|  | 20250683 |  |  |  | Original P&I |  | 1217.00 | Verified | Field Value reflects Note value |
|  | 20250683 |  |  |  | Property Type | Single Family Attached | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20250683 |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 20250683 |  |  |  | Appraisal Effective Date | [Redacted] | [Redacted] | Verified | Tape Value reflects Appraisal Date |
|  | 20250683 |  |  |  | Product Description | Investor Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 20250683 |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 20250683 |  |  |  | Borrower FTHB | 0 |  | Verified | Field Value verified by Application, Credit Report or other documentation in file |
|  | 20250683 |  |  |  | Cash From Borrower |  | 60760.17 | Verified | Field value reflects source document |
|  | 20250683 |  |  |  | Original HLTV |  | 80 | Verified | Field value reflects source document |
|  | 20250683 |  |  |  | PITIA Reserves Months | 6.00 | 20.54 | Verified | Field value reflects source document |
|  | 20250683 |  |  |  | Borrower Citizenship | US Citizen |  | Verified | Field value reflects source document |
|  | 20250683 |  |  |  | Loan to Cost (LTC) |  | 80 | Verified | Field value reflects source document |
|  | 20250683 |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250683 |  |  |  | Blanket Mortgage? |  | 0 | Verified | Field value reflects source document |
|  | 20250683 |  |  |  | Borrower EIN | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250685 |  |  |  | Street | [Redacted] | [Redacted] | Verified | Field Value reflects Street per Note |
|  | 20250685 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250685 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250685 |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 20250685 |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 20250685 |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 20250685 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250685 |  |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
|  | 20250685 |  |  |  | Original P&I |  | 1585.23 | Verified | Field Value reflects Note value |
|  | 20250685 |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 20250685 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Previous purchase price |
|  | 20250685 |  |  |  | Cash To Borrower | 202889.00 | 133257.94 | Verified | Field value reflects source document |
|  | 20250685 |  |  |  | Appraisal Effective Date | [Redacted] | [Redacted] | Verified | Tape Value reflects Appraisal Date |
|  | 20250685 |  |  |  | Product Description | Investor Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 20250685 |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 20250685 |  |  |  | Original HLTV |  | 70 | Verified | Field value reflects source document |
|  | 20250685 |  |  |  | PITIA Reserves Months | 6.00 | 74.02 | Verified | Field value reflects source document |
|  | 20250685 |  |  |  | Borrower Citizenship | US Citizen |  | Verified | Field value reflects source document |
|  | 20250685 |  |  |  | Last Property Transfer Date |  | 2016-04-15 | Verified | Field value reflects source document |
|  | 20250685 |  |  |  | Loan to Cost (LTC) |  | 100 | Verified | Field value reflects source document |
|  | 20250685 |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250685 |  |  |  | Borrower EIN | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250688 |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 20250688 |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 20250688 |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 20250688 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250688 |  |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
|  | 20250688 |  |  |  | Original P&I |  | 1282.58 | Verified | Field Value reflects Note value |
|  | 20250688 |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20250688 |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 20250688 |  |  |  | Doc Type | Reduced | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
|  | 20250688 |  |  |  | Appraisal Effective Date | [Redacted] | [Redacted] | Verified | Tape Value reflects Appraisal Date |
|  | 20250688 |  |  |  | Product Description | Prime Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 20250688 |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 20250688 |  |  |  | Cash From Borrower |  | 34785.53 | Verified | Field value reflects source document |
|  | 20250688 |  |  |  | Total Income |  | 5058.60 | Verified | Field value reflects source document |
|  | 20250688 |  |  |  | Investor: Qualifying Total Debt Ratio | 50 | 45.31827 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 20250688 |  |  |  | Original HLTV |  | 85 | Verified | Field value reflects source document |
|  | 20250688 |  |  |  | PITIA Reserves Months | 6.00 | 11.24 | Verified | Field value reflects source document |
|  | 20250688 |  |  |  | Universal Loan Identifier (ULI) | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250688 |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 20250689 |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 20250689 |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 20250689 |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 20250689 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250689 |  |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
|  | 20250689 |  |  |  | Original P&I |  | 3601.19 | Verified | Field Value reflects Note value |
|  | 20250689 |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 20250689 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250689 |  |  |  | Cash To Borrower | 202466.50 | 183785.11 | Verified | Field value reflects source document |
|  | 20250689 |  |  |  | Appraisal Effective Date | [Redacted] | [Redacted] | Verified | Tape Value reflects Appraisal Date |
|  | 20250689 |  |  |  | Product Description | Investor Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 20250689 |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 20250689 |  |  |  | Borrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
|  | 20250689 |  |  |  | Original HLTV |  | 75 | Verified | Field value reflects source document |
|  | 20250689 |  |  |  | Escrow Account | 0 | 1 | Verified | Field value reflects source document |
|  | 20250689 |  |  |  | PITIA Reserves Months | 6.00 | 50.12 | Verified | Field value reflects source document |
|  | 20250689 |  |  |  | Last Property Transfer Date |  | 2022-05-24 | Verified | Field value reflects source document |
|  | 20250689 |  |  |  | Loan to Cost (LTC) |  | 119.81707 | Verified | Field value reflects source document |
|  | 20250689 |  |  |  | Loan Property Count | 3 | 1 | Verified | Field value reflects source document |
|  | 20250689 |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 20250691 |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 20250691 |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 20250691 |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 20250691 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250691 |  |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
|  | 20250691 |  |  |  | Original P&I |  | 1967.26 | Verified | Field Value reflects Note value |
|  | 20250691 |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 20250691 |  |  |  | Doc Type |  | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
|  | 20250691 |  |  |  | Appraisal Effective Date | [Redacted] | [Redacted] | Verified | Field Value captured from Valuation model in file |
|  | 20250691 |  |  |  | Product Description | Prime Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 20250691 |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 20250691 |  |  |  | Cash From Borrower |  | 6687.40 | Verified | Field value reflects source document |
|  | 20250691 |  |  |  | Total Income |  | 422345.67 | Verified | Field value reflects source document |
|  | 20250691 |  |  |  | Original HLTV |  | 80 | Verified | Field value reflects source document |
|  | 20250691 |  |  |  | PITIA Reserves Months | 6.00 | 69.17 | Verified | Field value reflects source document |
|  | 20250691 |  |  |  | Universal Loan Identifier (ULI) | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250691 |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250693 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 20250693 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250693 |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 20250693 |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 20250693 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250693 |  |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
|  | 20250693 |  |  |  | Original P&I |  | 773.43 | Verified | Field Value reflects Note value |
|  | 20250693 |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 20250693 |  |  |  | Appraisal Effective Date | [Redacted] | [Redacted] | Verified | Tape Value reflects Appraisal Date |
|  | 20250693 |  |  |  | Product Description | Investor Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 20250693 |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 20250693 |  |  |  | Borrower FTHB | 0 |  | Verified | Unable to verify due to missing information |
|  | 20250693 |  |  |  | Cash From Borrower |  | 48195.84 | Verified | Field value reflects source document |
|  | 20250693 |  |  |  | Original HLTV |  | 70 | Verified | Field value reflects source document |
|  | 20250693 |  |  |  | PITIA Reserves Months | 6.00 | 167.63 | Verified | Field value reflects source document |
|  | 20250693 |  |  |  | Borrower Citizenship | US Citizen |  | Verified | Unable to verify due to missing information |
|  | 20250693 |  |  |  | Last Property Transfer Date |  | 2019-11-27 | Verified | Field value reflects source document |
|  | 20250693 |  |  |  | Loan to Cost (LTC) |  | 70 | Verified | Field value reflects source document |
|  | 20250693 |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 20250693 |  |  |  | Blanket Mortgage? |  | 0 | Verified | Field value reflects source document |
|  | 20250693 |  |  |  | Borrower EIN | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250700 |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 20250700 |  |  |  | Cash To Borrower | 290751.00 | 294899.96 | Verified | Field value reflects source document |
|  | 20250700 |  |  |  | Product Description | Prime Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 20250700 |  |  |  | PITIA Reserves Months | 6.00 | 42.07 | Verified | Field value reflects source document |
|  | 20250702 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250702 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250702 |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 20250702 |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 20250702 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250702 |  |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
|  | 20250702 |  |  |  | Original P&I | 0.00 | 1113.75 | Verified | Field Value reflects Note value |
|  | 20250702 |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 20250702 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250702 |  |  |  | Cash To Borrower | 4140.38 | 8037.45 | Verified | Field value reflects source document |
|  | 20250702 |  |  |  | Appraisal Effective Date | [Redacted] | [Redacted] | Verified | Tape Value reflects Appraisal Date |
|  | 20250702 |  |  |  | Product Description | Investor Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 20250702 |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 20250702 |  |  |  | Original HLTV |  | 75 | Verified | Field value reflects source document |
|  | 20250702 |  |  |  | PITIA Reserves Months | 6.00 | 7.75 | Verified | Field value reflects source document |
|  | 20250702 |  |  |  | Borrower Citizenship | US Citizen |  | Verified | Field value reflects source document |
|  | 20250702 |  |  |  | Last Property Transfer Date |  | 2023-06-15 | Verified | Field value reflects source document |
|  | 20250702 |  |  |  | Loan to Cost (LTC) |  | 136.36364 | Verified | Field value reflects source document |
|  | 20250702 |  |  |  | Blanket Mortgage? |  | 0 | Verified | Field value reflects source document |
|  | 20250702 |  |  |  | Borrower EIN | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250706 |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 20250706 |  |  |  | Coborrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 20250706 |  |  |  | Coborrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 20250706 |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 20250706 |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 20250706 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250706 |  |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
|  | 20250706 |  |  |  | Original P&I | 1598.00 | 1485.87 | Verified | Field Value reflects Note value |
|  | 20250706 |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 20250706 |  |  |  | Cash To Borrower | 24877.90 | 26309.77 | Verified | Field value reflects source document |
|  | 20250706 |  |  |  | Appraisal Effective Date | [Redacted] | [Redacted] | Verified | Tape Value reflects Appraisal Date |
|  | 20250706 |  |  |  | Product Description | Investor Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 20250706 |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 20250706 |  |  |  | Borrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
|  | 20250706 |  |  |  | Coborrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
|  | 20250706 |  |  |  | Original HLTV |  | 75 | Verified | Field value reflects source document |
|  | 20250706 |  |  |  | PITIA Reserves Months | 6.00 | 14.70 | Verified | Field value reflects source document |
|  | 20250706 |  |  |  | Last Property Transfer Date |  | 2023-09-14 | Verified | Field value reflects source document |
|  | 20250706 |  |  |  | Loan Property Count | 4 | 1 | Verified | Field value reflects source document |
|  | 20250706 |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250706 |  |  |  | Blanket Mortgage? |  | 0 | Verified | Field value reflects source document |
|  | 20250708 |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 20250708 |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 20250708 |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 20250708 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250708 |  |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
|  | 20250708 |  |  |  | Original P&I | 2466.00 | 2412.29 | Verified | Field Value reflects Note value |
|  | 20250708 |  |  |  | Representative FICO | 681 | 685 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
|  | 20250708 |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 20250708 |  |  |  | Doc Type |  | 1yr P&L w/o Bank Statements | Verified | Field Value reflects documentation located in origination file |
|  | 20250708 |  |  |  | Cash To Borrower | 44402.21 | 22121.42 | Verified | Field value reflects source document |
|  | 20250708 |  |  |  | Appraisal Effective Date | [Redacted] | [Redacted] | Verified | Tape Value reflects Appraisal Date |
|  | 20250708 |  |  |  | Product Description | Prime Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 20250708 |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 20250708 |  |  |  | Borrower FTHB |  | 0 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
|  | 20250708 |  |  |  | Total Income |  | 12644.00 | Verified | Field value reflects source document |
|  | 20250708 |  |  |  | Original HLTV |  | 69 | Verified | Field value reflects source document |
|  | 20250708 |  |  |  | PITIA Reserves Months | 6.00 | 7.28 | Verified | Field value reflects source document |
|  | 20250708 |  |  |  | Universal Loan Identifier (ULI) | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250708 |  |  |  | Last Property Transfer Date |  | 2024-07-09 | Verified | Field value reflects source document |
|  | 20250708 |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 20250710 |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 20250710 |  |  |  | Coborrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 20250710 |  |  |  | Coborrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 20250710 |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 20250710 |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 20250710 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250710 |  |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
|  | 20250710 |  |  |  | Original P&I |  | 4669.45 | Verified | Field Value reflects Note value |
|  | 20250710 |  |  |  | Interest Only |  | 0 | Verified | Field Value reflects 'Interest Only' per the Note |
|  | 20250710 |  |  |  | Doc Type |  | 12mo Bank Statement | Verified | Field Value reflects documentation located in origination file |
|  | 20250710 |  |  |  | Appraised Value | [Redacted] | [Redacted] | Verified | Field Value captured from Valuation model in file |
|  | 20250710 |  |  |  | Appraisal Effective Date | [Redacted] | [Redacted] | Verified | Tape Value reflects Appraisal Date |
|  | 20250710 |  |  |  | Product Description | Prime Connect | Fixed Rate | Verified | Field value reflects source document |
|  | 20250710 |  |  |  | Neg Am |  | 0 | Verified | Field Value reflects Note 'Neg AM' per the Note |
|  | 20250710 |  |  |  | Coborrower FTHB |  | 1 | Verified | Field Value verified by Application, Credit Report or other documentation in file |
|  | 20250710 |  |  |  | Cash From Borrower |  | 332150.09 | Verified | Field value reflects source document |
|  | 20250710 |  |  |  | Total Income |  | 81554.00 | Verified | Field value reflects source document |
|  | 20250710 |  |  |  | Original HLTV |  | 68.22034 | Verified | Field value reflects source document |
|  | 20250710 |  |  |  | PITIA Reserves Months | 9.00 | 11.67 | Verified | Field value reflects source document |
|  | 20250710 |  |  |  | Universal Loan Identifier (ULI) | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250718 |  |  |  | Property Type | Single Family | 4 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20250718 |  |  |  | Subject Debt Service Coverage Ratio | 1.80 | 1.81 | Verified | Field value reflects source document |
|  | 20250719 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250719 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250719 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250719 |  |  |  | Subject Debt Service Coverage Ratio | 1.35 | 1.36 | Verified | Field value reflects source document |
|  | 20250720 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250720 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250720 |  |  |  | Property Type | Single Family | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20250720 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250720 |  |  |  | Subject Debt Service Coverage Ratio | 1.38 | 1.27 | Verified | Field value reflects source document |
|  | 20250721 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250721 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250721 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250722 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250722 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250723 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250723 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250723 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250724 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 20250724 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 20250724 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 20250724 |  |  |  | Original CLTV | 70 | 65.22727 | Verified | Unable to verify due to missing information |
|  | 20250724 |  |  |  | Original LTV | 70 | 65.22727 | Verified | Unable to verify due to missing information |
|  | 20250725 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250725 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250725 |  |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20250726 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250726 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250726 |  |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20250726 |  |  |  | Subject Debt Service Coverage Ratio | 1.11 | 1.12 | Verified | Field value reflects source document |
|  | 20250728 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250728 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250728 |  |  |  | Subject Debt Service Coverage Ratio | 1.37 | 1.38 | Verified | Field value reflects source document |
|  | 20250729 |  |  |  | Subject Debt Service Coverage Ratio | 1.06 | 1.07 | Verified | Field value reflects source document |
|  | 20250730 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250730 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250730 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250730 |  |  |  | Subject Debt Service Coverage Ratio | 1.32 | 1.37 | Verified | Field value reflects source document |
|  | 20250731 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250731 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250731 |  |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20250731 |  |  |  | Subject Debt Service Coverage Ratio | 1.14 | 1.15 | Verified | Field value reflects source document |
|  | 20250734 |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 20250734 |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 20250734 |  |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
|  | 20250734 |  |  |  | Investor: Qualifying Total Debt Ratio | 34.972 | 44.16666 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 20250736 |  |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20250736 |  |  |  | Subject Debt Service Coverage Ratio | 1.12 | 1.13 | Verified | Field value reflects source document |
|  | 20250737 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250737 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250737 |  |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20250740 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250740 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250740 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250740 |  |  |  | Subject Debt Service Coverage Ratio | 1.23 | 1.21 | Verified | Field value reflects source document |
|  | 20250741 |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20250746 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250746 |  |  |  | Coborrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 20250747 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250747 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250747 |  |  |  | Coborrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 20250747 |  |  |  | Coborrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 20250752 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250752 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250752 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250753 |  |  |  | Subject Debt Service Coverage Ratio | 1.22 | 1.23 | Verified | Field value reflects source document |
|  | 20250754 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250754 |  |  |  | Subject Debt Service Coverage Ratio | 1.15 | 1.16 | Verified | Field value reflects source document |
|  | 20250755 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250756 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250756 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250756 |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 20250756 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250756 |  |  |  | Subject Debt Service Coverage Ratio | 1.01 | 1.02 | Verified | Field value reflects source document |
|  | 20250757 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250757 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250757 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250757 |  |  |  | Subject Debt Service Coverage Ratio | 1.09 | 1.10 | Verified | Field value reflects source document |
|  | 20250758 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250758 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250758 |  |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20250760 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250761 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250761 |  |  |  | Subject Debt Service Coverage Ratio | 1.32 | 1.33 | Verified | Field value reflects source document |
|  | 20250762 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250763 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250763 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250763 |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 20250763 |  |  |  | Subject Debt Service Coverage Ratio | 1.16 | 1.17 | Verified | Field value reflects source document |
|  | 20250767 |  |  |  | Property Type | Single Family | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20250767 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250767 |  |  |  | Subject Debt Service Coverage Ratio | 1.44 | 1.45 | Verified | Field value reflects source document |
|  | 20250769 |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20250770 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250770 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250770 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 20250770 |  |  |  | Subject Debt Service Coverage Ratio | 1.08 | 1.09 | Verified | Field value reflects source document |
|  | 20250771 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250771 |  |  |  | Subject Debt Service Coverage Ratio | 1.08 | 1.09 | Verified | Field value reflects source document |
|  | 20250774 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250776 |  |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20250776 |  |  |  | Subject Debt Service Coverage Ratio | 1.10 | 1.11 | Verified | Field value reflects source document |
|  | 20250777 |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 20250777 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250777 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250777 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250777 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250777 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20250778 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250778 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250778 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250778 |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20250778 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250778 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250778 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20250779 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250779 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250779 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250779 |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20250779 |  |  |  | Lien Position |  | 1 | Verified | Unable to verify due to missing information |
|  | 20250779 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 20250779 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Unable to verify due to missing information |
|  | 20250779 |  |  |  | Subject Debt Service Coverage Ratio | 1.10 | 1.13 | Verified | Unable to verify due to missing information |
|  | 20250780 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250780 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250780 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250780 |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20250780 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250780 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20250781 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250781 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250781 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250781 |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20250781 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250781 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250781 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20250782 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250782 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250782 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250782 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250782 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250782 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20250783 |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 20250783 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250783 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250783 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250783 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250783 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20250784 |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 20250784 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250784 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250784 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250784 |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20250784 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250784 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250784 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20250785 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250785 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250785 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250785 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250785 |  |  |  | Investor: Qualifying Total Debt Ratio | 22.278 | 28.64908 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 20250785 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20250786 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250786 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250786 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250786 |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20250786 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250786 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20250786 |  |  |  | Subject Debt Service Coverage Ratio | 1.39 | 1.40 | Verified | Field value reflects source document |
|  | 20250787 |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 20250787 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250787 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250787 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250787 |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20250787 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250787 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250787 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20250788 |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 20250788 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250788 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250788 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250788 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250789 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250789 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250789 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250789 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250789 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250789 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20250790 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250790 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250790 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250790 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250790 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250790 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20250790 |  |  |  | Subject Debt Service Coverage Ratio | 1.19 | 1.22 | Verified | Field value reflects source document |
|  | 20250791 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250791 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250791 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250791 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250791 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250791 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20250792 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250792 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250792 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250792 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250792 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250792 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20250793 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250793 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250793 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250793 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250793 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250793 |  |  |  | Guideline Name |  | Arc Access Clean Slate Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20250794 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250794 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250794 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250794 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250794 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250794 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20250794 |  |  |  | Subject Debt Service Coverage Ratio | 1.88 | 1.87 | Verified | Field value reflects source document |
|  | 20250795 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250795 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250795 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250795 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250795 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250795 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20250796 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250796 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250796 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250796 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250796 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20250796 |  |  |  | Subject Debt Service Coverage Ratio | 1.21 | 1.22 | Verified | Field value reflects source document |
|  | 20250797 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250797 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250797 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250797 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250797 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250797 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20250798 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250798 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250798 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250798 |  |  |  | Representative FICO | 773 | 785 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
|  | 20250798 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250798 |  |  |  | Investor: Qualifying Total Debt Ratio | 28.869 | 25.5725 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 20250798 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20250799 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250799 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250799 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250799 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250799 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250799 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20250800 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250800 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250800 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250800 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250800 |  |  |  | Investor: Qualifying Total Debt Ratio | 32.722 | 36.73243 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 20250800 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20250801 |  |  |  | City | [Redacted] | [Redacted] | Verified | Field Value reflects City per Note |
|  | 20250801 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250801 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250801 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250801 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250801 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250801 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20250801 |  |  |  | Subject Debt Service Coverage Ratio | 0.83 | 0.84 | Verified | Field value reflects source document |
|  | 20250802 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250802 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250802 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250802 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250802 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250802 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20250803 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250803 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250803 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250803 |  |  |  | Property Type | Single Family Detached | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20250803 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250803 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250803 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20250803 |  |  |  | Subject Debt Service Coverage Ratio | 2.00 | 1.41 | Verified | Field value reflects source document |
|  | 20250804 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250804 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250804 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250804 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250804 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250804 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20250805 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250805 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250805 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250805 |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20250805 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250805 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250805 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20250807 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250807 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250807 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250807 |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20250807 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250807 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20250808 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250808 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250808 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250808 |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20250808 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250808 |  |  |  | Guideline Name |  | FM HomeDSCR Guides - 4.1.24 | Verified | Field value reflects source document |
|  | 20250808 |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.11 | Verified | Field value reflects source document |
|  | 20250809 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250809 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250809 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250809 |  |  |  | Property Type | Single Family Detached | 3 Family | Verified | Unable to verify due to missing information |
|  | 20250809 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250809 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 20250809 |  |  |  | Guideline Name |  | FM HomeDSCR Guides - 4.1.24 | Verified | Unable to verify due to missing information |
|  | 20250809 |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.31 | Verified | Unable to verify due to missing information |
|  | 20250810 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250810 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250810 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250810 |  |  |  | Representative FICO | 812 | 813 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
|  | 20250810 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250810 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250810 |  |  |  | Guideline Name |  | Guaranteed Rate Arc Access Non-QM Guidelines 11.25.24 | Verified | Field value reflects source document |
|  | 20250811 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250811 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250811 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250811 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250811 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250811 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20250812 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250812 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250812 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250812 |  |  |  | Representative FICO | 743 | 798 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
|  | 20250812 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250812 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250812 |  |  |  | Guideline Name |  | New American Funding Private Label - 9.19.24 | Verified | Field value reflects source document |
|  | 20250813 |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 20250813 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250813 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250813 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250813 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250813 |  |  |  | Investor: Qualifying Total Debt Ratio | 26.809 | 43.71227 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 20250813 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20250814 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250814 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250814 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250814 |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 20250814 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250814 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250814 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20250815 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250815 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250815 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250815 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250815 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250815 |  |  |  | Guideline Name |  | CrossCountry Guidelines - 5.9.24 | Verified | Field value reflects source document |
|  | 20250816 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250816 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250816 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250816 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250816 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20250817 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250817 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250817 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250817 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250817 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250817 |  |  |  | Originator Loan Designation | N/A | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 20250818 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250818 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250818 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250818 |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 20250818 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250818 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250818 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20250818 |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.03 | Verified | Field value reflects source document |
|  | 20250819 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250819 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250819 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250819 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250819 |  |  |  | Guideline Name |  | Guaranteed Rate Arc Access Non-QM Guidelines 11.25.24 | Verified | Field value reflects source document |
|  | 20250822 |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 20250822 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250822 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250822 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250822 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250822 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250822 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20250823 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250823 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250823 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250823 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250823 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250823 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20250824 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250824 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250824 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250824 |  |  |  | Representative FICO | 784 | 792 |  |  |
|  | 20250824 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250824 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250824 |  |  |  | Guideline Name |  | Guaranteed Rate Arc Access Non-QM Guidelines 11.25.24 | Verified | Field value reflects source document |
|  | 20250825 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250825 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250825 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250825 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250825 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250825 |  |  |  | Guideline Name |  | Guaranteed Rate Arc Access Non-QM Guidelines 11.25.24 | Verified | Field value reflects source document |
|  | 20250827 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250827 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250827 |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 20250828 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250828 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250828 |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20250829 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250829 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250829 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250829 |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20250829 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250829 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250829 |  |  |  | Guideline Name |  | New American Funding Private Label - 9.19.24 | Verified | Field value reflects source document |
|  | 20250830 |  |  |  | Representative FICO | 704 | 732 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
|  | 20250831 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250831 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250831 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250831 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250831 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250831 |  |  |  | Guideline Name |  | First Colony Mortgage DSCR Combined 8.16.24 | Verified | Field value reflects source document |
|  | 20250831 |  |  |  | Subject Debt Service Coverage Ratio | 0.85 | 0.87 | Verified | Field value reflects source document |
|  | 20250832 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250832 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250832 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250833 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250833 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250833 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250833 |  |  |  | Subject Debt Service Coverage Ratio | 1.10 | 1.11 | Verified | Field value reflects source document |
|  | 20250834 |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 20250834 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250834 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250834 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250834 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250834 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250834 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Agency Plus Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20250835 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250835 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250835 |  |  |  | Property Type | Single Family | 4 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20250835 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250836 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250836 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250836 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250836 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250836 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250836 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20250836 |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.01 | Verified | Field value reflects source document |
|  | 20250837 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250837 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250837 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250837 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250837 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250837 |  |  |  | Guideline Name |  | Homebridge Elite-Access 11.25.24 | Verified | Field value reflects source document |
|  | 20250838 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250838 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250838 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250838 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250838 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250838 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20250839 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250839 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250839 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250839 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250839 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20250839 |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.01 | Verified | Field value reflects source document |
|  | 20250841 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250841 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250841 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250841 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250841 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20250842 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250842 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250842 |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 20250842 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250845 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250845 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250845 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250845 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250845 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250845 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20250845 |  |  |  | Subject Debt Service Coverage Ratio | 1.06 | 1.07 | Verified | Field value reflects source document |
|  | 20250846 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250846 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250846 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250846 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250846 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250846 |  |  |  | Guideline Name |  | Guaranteed Rate Arc Access Non-QM Guidelines 11.25.24 | Verified | Field value reflects source document |
|  | 20250956 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250956 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250956 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250956 |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20250956 |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 20250956 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250956 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250956 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20250957 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250957 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250957 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250957 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250957 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250957 |  |  |  | Guideline Name |  | First Colony Mortgage Corp. Full Alt Combined 8.16.24 | Verified | Field value reflects source document |
|  | 20250958 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250958 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250958 |  |  |  | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20250958 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250958 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250958 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20250959 |  |  |  | Subject Debt Service Coverage Ratio | 1.20 | 1.22 | Verified | Field value reflects source document |
|  | 20250960 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250960 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250960 |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20250961 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250961 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250961 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250961 |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20250961 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250961 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250961 |  |  |  | Investor: Qualifying Total Debt Ratio | 14.265 | 5.2666 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 20250961 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20250962 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250962 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250962 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250963 |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 20250963 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250963 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250963 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250963 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250963 |  |  |  | Guideline Name |  | Arc Access Clean Slate Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20250965 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250965 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250965 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250965 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250965 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250965 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20250966 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250966 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250966 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250966 |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20250966 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250966 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250966 |  |  |  | Investor: Qualifying Total Debt Ratio | 64.338 |  | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 20250966 |  |  |  | Guideline Name |  | First Colony Mortgage DSCR Combined 8.16.24 | Verified | Field value reflects source document |
|  | 20250966 |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.10 | Verified | Field value reflects source document |
|  | 20250967 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250967 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250967 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250967 |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20250967 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250967 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250967 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20250967 |  |  |  | Subject Debt Service Coverage Ratio | 1.13 | 1.12 | Verified | Field value reflects source document |
|  | 20250968 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250968 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250968 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250968 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250968 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250968 |  |  |  | Investor: Qualifying Total Debt Ratio | 39.857 | 26.0125 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 20250968 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20250970 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250970 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250970 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250970 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250970 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250970 |  |  |  | Guideline Name |  | New American Funding Private Label - 9.19.24 | Verified | Field value reflects source document |
|  | 20250971 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250971 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250971 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250971 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250971 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250971 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20250971 |  |  |  | Subject Debt Service Coverage Ratio | 1.01 | 1.03 | Verified | Field value reflects source document |
|  | 20250972 |  |  |  | Investor: Qualifying Total Debt Ratio | 0.43516 | 43.51669 | Verified | Tape data decimal point is in the incorrect position. |
|  | 20250973 |  |  |  | Investor: Qualifying Total Debt Ratio | 0.40137 | 40.25542 | Verified | Tape data decimal point is in incorrect position. |
|  | 20250975 |  |  |  | Investor: Qualifying Total Debt Ratio | 0.43715 | 43.71532 | Verified | Tape Data decimal point is in the incorrect position. |
|  | 20250976 |  |  |  | Investor: Qualifying Total Debt Ratio | 0.39518 | 39.23399 | Verified | Tape Value reflects decimal point in incorrect position. |
|  | 20250977 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250978 |  |  |  | Investor: Qualifying Total Debt Ratio | 0.43 | 42.99976 | Verified | Tape data decimal point is in the incorrect position. |
|  | 20250979 |  |  |  | Investor: Qualifying Total Debt Ratio | 0.43 | 42.76417 | Verified | Tape Data decimal point is in the incorrect position. |
|  | 20250980 |  |  |  | Investor: Qualifying Total Debt Ratio | 0.37509 | 37.51147 | Verified | Tape Data decimal point is in the incorrect position. |
|  | 20250981 |  |  |  | Investor: Qualifying Total Debt Ratio | 0.42505 | 42.05295 | Verified | Tape data decimal point is in the incorrect position. |
|  | 20250982 |  |  |  | Investor: Qualifying Total Debt Ratio | 0.31661 | 32.15923 | Verified | Tape Data decimal point is in the incorrect position. |
|  | 20250983 |  |  |  | Investor: Qualifying Total Debt Ratio | 0.38982 | 39.19157 | Verified | Tape Data decimal point is in the incorrect position. |
|  | 20250984 |  |  |  | Investor: Qualifying Total Debt Ratio | 0.3928 | 39.28328 | Verified | Tape Data decimal point is in the incorrect position. |
|  | 20250985 |  |  |  | Investor: Qualifying Total Debt Ratio | 0.4281 | 42.81078 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
|  | 20250987 |  |  |  | Investor: Qualifying Total Debt Ratio | 0.14932 | 16.12253 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 20250988 |  |  |  | Investor: Qualifying Total Debt Ratio | 0.30845 | 33.08657 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
|  | 20250989 |  |  |  | Investor: Qualifying Total Debt Ratio | 0.43023 | 43.02295 | Verified | Tape Data decimal point is in the incorrect position. |
|  | 20250990 |  |  |  | Investor: Qualifying Total Debt Ratio | 0.11083 | 11.08333 | Verified | Tape Data decimal point is in the incorrect position. |
|  | 20250991 |  |  |  | Investor: Qualifying Total Debt Ratio | 0.32497 | 33.77016 | Verified | Tape Data decimal point is in the incorrect position. |
|  | 20250993 |  |  |  | Investor: Qualifying Total Debt Ratio | 0.43651 | 44.96197 | Verified | DTI variance due to rent loss variance on the subject property. |
|  | 20250995 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250995 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20250995 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250996 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250996 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250996 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250996 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250996 |  |  |  | Appraised Value | [Redacted] | [Redacted] | Verified | Field Value captured from Valuation model in file |
|  | 20250996 |  |  |  | Original CLTV | 75 | 71.05263 | 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) |
|  | 20250996 |  |  |  | Original LTV | 75 | 71.05263 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
|  | 20250996 |  |  |  | Guideline Name |  | CrossCountry Guidelines - 5.9.24 | Verified | Field value reflects source document |
|  | 20250997 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250997 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250997 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250997 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250997 |  |  |  | Guideline Name |  | Arc Access Clean Slate Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20250998 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250998 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250998 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250998 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250998 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20250998 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20250999 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20250999 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20250999 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20250999 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20250999 |  |  |  | Guideline Name |  | Guaranteed Rate Arc Access Non-QM Guidelines 11.25.24 | Verified | Field value reflects source document |
|  | 20251000 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251000 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251000 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251000 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251000 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Agency Plus Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251001 |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 20251001 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251001 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251001 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251001 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251001 |  |  |  | Guideline Name |  | Homebridge Access Non-QM 11.25.24 Combined | Verified | Field value reflects source document |
|  | 20251002 |  |  |  | Original Term |  | 360 | Verified | Tape Value reflects the Modification value |
|  | 20251002 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251002 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251002 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251002 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251003 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251003 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251003 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251003 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251003 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251003 |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 0.98 | Verified | Field value reflects source document |
|  | 20251004 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251004 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251004 |  |  |  | Coborrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 20251004 |  |  |  | Coborrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 20251005 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251005 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251005 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251005 |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251005 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251005 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251005 |  |  |  | Guideline Name |  | CrossCountry Guidelines - 5.9.24 | Verified | Field value reflects source document |
|  | 20251006 |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.01 | Verified | Field value reflects source document |
|  | 20251007 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251007 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251007 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251007 |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 20251007 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251007 |  |  |  | Guideline Name |  | ARC Access - Alt Income(No Ratio) 3.11.24 | Verified | Field value reflects source document |
|  | 20251009 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251009 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251009 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251009 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251009 |  |  |  | Guideline Name |  | CrossCountry Guidelines - 5.9.24 | Verified | Field value reflects source document |
|  | 20251010 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251010 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251010 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251010 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251010 |  |  |  | Guideline Name |  | Guaranteed Rate Arc Access Non-QM Guidelines 11.25.24 | Verified | Field value reflects source document |
|  | 20251012 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251012 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251012 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251012 |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251012 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251012 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251012 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Unable to verify due to missing information |
|  | 20251013 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251013 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251013 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251013 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251013 |  |  |  | Guideline Name |  | Guaranteed Rate Arc Access Non-QM Guidelines 11.25.24 | Verified | Field value reflects source document |
|  | 20251014 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251014 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251014 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251014 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251014 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251015 |  |  |  | Investor: Qualifying Total Debt Ratio | 20.279 | 17.57155 | Verified | Income Shown used on Final 1003 |
|  | 20251016 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251016 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251016 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251016 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251016 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251016 |  |  |  | Guideline Name |  | First Colony Mortgage DSCR Combined 8.16.24 | Verified | Field value reflects source document |
|  | 20251017 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251017 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251017 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251017 |  |  |  | Representative FICO | 806 | 809 | Verified | GLs use credit score from primary earner. |
|  | 20251017 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251017 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251017 |  |  |  | Guideline Name |  | New American Funding Private Label - 9.19.24 | Verified | Field value reflects source document |
|  | 20251018 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251018 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251018 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251018 |  |  |  | Representative FICO | 802 | 807 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
|  | 20251018 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251018 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251018 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251019 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251019 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251019 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251019 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251019 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251019 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251020 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251020 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251020 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251020 |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251020 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251020 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251020 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Agency Plus Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251021 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251021 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251021 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251021 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251021 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251021 |  |  |  | Investor: Qualifying Total Debt Ratio | 31.761 | 36.77486 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 20251021 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251022 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251022 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251022 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251022 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251022 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251022 |  |  |  | Subject Debt Service Coverage Ratio | 1.06 | 1.07 | Verified | Field value reflects source document |
|  | 20251023 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251023 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251023 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251023 |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 20251023 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251023 |  |  |  | Investor: Qualifying Total Debt Ratio | 41.083 | 43.80658 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 20251023 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251025 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251025 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251025 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251025 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251025 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251025 |  |  |  | Investor: Qualifying Total Debt Ratio | 0.488 |  | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 20251025 |  |  |  | Guideline Name |  | First Colony Mortgage DSCR Combined 8.16.24 | Verified | Field value reflects source document |
|  | 20251026 |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 20251026 |  |  |  | Original Term |  | 180 | Verified | Field Value reflects the Note value |
|  | 20251026 |  |  |  | Amortization Term |  | 180 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251026 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251026 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251026 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251026 |  |  |  | Investor: Qualifying Total Debt Ratio | 41.663 | 28.18569 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 20251026 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251027 |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 20251027 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251027 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251027 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251027 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251027 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251027 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251027 |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.26 | Verified | Field value reflects source document |
|  | 20251028 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251028 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251028 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251028 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251028 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251028 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251029 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251029 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251029 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251029 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251029 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251029 |  |  |  | Guideline Name |  | AAA Capital Investment Combined 12.5.23 | Verified | Field value reflects source document |
|  | 20251030 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251034 |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 20251034 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251034 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251034 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251034 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251034 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251034 |  |  |  | Subject Debt Service Coverage Ratio | 1.30 | 1.31 | Verified | Field value reflects source document |
|  | 20251035 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251035 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251035 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251035 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251035 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251035 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Agency Plus Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251036 |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251036 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251037 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251037 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251037 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251037 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251037 |  |  |  | Guideline Name |  | CrossCountry Guidelines - 5.9.24 | Verified | Field value reflects source document |
|  | 20251038 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251038 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251038 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251038 |  |  |  | Representative FICO | 803 | 814 | Verified | Field Value Representative FICO reflects the lowest mid score of all borrowers |
|  | 20251038 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251038 |  |  |  | Investor: Qualifying Total Debt Ratio | 35.436 | 37.84349 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 20251038 |  |  |  | Guideline Name |  | Guaranteed Rate Arc Access Non-QM Guidelines 11.25.24 | Verified | Field value reflects source document |
|  | 20251039 |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 20251039 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251039 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251039 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251039 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251039 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251039 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251040 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251040 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251040 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251040 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251040 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251040 |  |  |  | Guideline Name |  | First Colony Mortgage DSCR Combined 8.16.24 | Verified | Field value reflects source document |
|  | 20251041 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251042 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251042 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251042 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251042 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251042 |  |  |  | Appraised Value | [Redacted] | [Redacted] | Verified | Field Value captured from Valuation model in file |
|  | 20251042 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251042 |  |  |  | Guideline Name |  | New American Funding Private Label - 9.19.24 | Verified | Field value reflects source document |
|  | 20251043 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251043 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251043 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251043 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251043 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251043 |  |  |  | Guideline Name |  | New American Funding Private Label - 9.19.24 | Verified | Field value reflects source document |
|  | 20251044 |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 20251044 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251044 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251044 |  |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
|  | 20251044 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251044 |  |  |  | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251044 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251044 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251044 |  |  |  | Investor: Qualifying Total Debt Ratio | 10.885 | 17.26071 | Verified | Less income than what is reflected on 1003. |
|  | 20251044 |  |  |  | Guideline Name |  | Guaranteed Rate Arc Access Non-QM Guidelines 11.25.24 | Verified | Field value reflects source document |
|  | 20251045 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251045 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251045 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251045 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251045 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251045 |  |  |  | Guideline Name |  | Guaranteed Rate Arc Access Non-QM Guidelines 11.25.24 | Verified | Field value reflects source document |
|  | 20251046 |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 20251046 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251046 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251046 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251046 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251046 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251046 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Agency Plus Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251047 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251047 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251047 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251047 |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251047 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251047 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251048 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251048 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251048 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251048 |  |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251048 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251048 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251048 |  |  |  | Guideline Name |  | First Colony Mortgage Corp. Full Alt Combined 8.16.24 | Verified | Field value reflects source document |
|  | 20251049 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251049 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251049 |  |  |  | Property Type | Single Family | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251049 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251049 |  |  |  | Subject Debt Service Coverage Ratio | 1.65 | 1.66 | Verified | Field value reflects source document |
|  | 20251050 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251050 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251050 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251050 |  |  |  | Representative FICO | 750 | 753 |  |  |
|  | 20251050 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251050 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251051 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251051 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251051 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251051 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251051 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251051 |  |  |  | Guideline Name |  | New American Funding Private Label - 9.19.24 | Verified | Field value reflects source document |
|  | 20251052 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251052 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251052 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251052 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251052 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251052 |  |  |  | Guideline Name |  | Guaranteed Rate Arc Access Non-QM Guidelines 2.23.25 | Verified | Field value reflects source document |
|  | 20251053 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251053 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251053 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251053 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251053 |  |  |  | Guideline Name |  | New American Funding Private Label - 9.19.24 | Verified | Field value reflects source document |
|  | 20251054 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251054 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251054 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251054 |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 20251054 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251054 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251056 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251056 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251056 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251056 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251056 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251056 |  |  |  | Guideline Name |  | Arc Access Clean Slate Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251057 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251057 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251057 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251057 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251057 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251057 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251057 |  |  |  | Subject Debt Service Coverage Ratio | 0.78 | 0.79 | Verified | Field value reflects source document |
|  | 20251058 |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 20251058 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251058 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251058 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251058 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251058 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251058 |  |  |  | Guideline Name |  | CrossCountry Guidelines - 5.9.24 | Verified | Field value reflects source document |
|  | 20251059 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251059 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251059 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251059 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Security Instrument |
|  | 20251059 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251059 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251060 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251060 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251060 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251060 |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251060 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251060 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251060 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251061 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251061 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251061 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251061 |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251061 |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 20251061 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251061 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251061 |  |  |  | Guideline Name |  | First Colony Mortgage DSCR Combined 8.16.24 | Verified | Field value reflects source document |
|  | 20251062 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251062 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251062 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251062 |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251062 |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 20251062 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251062 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251062 |  |  |  | Guideline Name |  | First Colony Mortgage DSCR Combined 8.16.24 | Verified | Field value reflects source document |
|  | 20251063 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251063 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251063 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251063 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251063 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251063 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251064 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251064 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251064 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251064 |  |  |  | Property Type | Condo (Low Rise) | Condo (Mid Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251064 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251064 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251064 |  |  |  | Guideline Name |  | Guaranteed Rate DSCR Program 11.25.24 | Verified | Field value reflects source document |
|  | 20251064 |  |  |  | Subject Debt Service Coverage Ratio | 1.28 | 1.31 | Verified | Field value reflects source document |
|  | 20251065 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251065 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251065 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251065 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251065 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 20251065 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251065 |  |  |  | Subject Debt Service Coverage Ratio | 1.19 | 1.20 | Verified | Field value reflects source document |
|  | 20251066 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251066 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251066 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251066 |  |  |  | Representative FICO | 765 | 770 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
|  | 20251066 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251066 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251066 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251068 |  |  |  | Original Loan Amount | 968000.00 | 967900.00 | Verified | Field Value reflects the Note value |
|  | 20251068 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251068 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251068 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251068 |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 20251068 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251068 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251068 |  |  |  | Subject Debt Service Coverage Ratio | 1.08 | 1.09 | Verified | Field value reflects source document |
|  | 20251069 |  |  |  | Subject Debt Service Coverage Ratio | 1.09 | 1.10 | Verified | Field value reflects source document |
|  | 20251070 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251070 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251070 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251070 |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 20251070 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251070 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251073 |  |  |  | Original Loan Amount | 874900.00 | 869900.00 | Verified | Field Value reflects the Note value |
|  | 20251073 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251073 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251073 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251073 |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 20251073 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251073 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251074 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251074 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251074 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251074 |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 20251074 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251074 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251075 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251075 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251075 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251075 |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 20251075 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251075 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251075 |  |  |  | Subject Debt Service Coverage Ratio | 1.21 | 1.22 | Verified | Field value reflects source document |
|  | 20251076 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251076 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251076 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251076 |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 20251076 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251076 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251077 |  |  |  | Original Loan Amount | 869600.00 | 874900.00 | Verified | Field Value reflects the Note value |
|  | 20251078 |  |  |  | Subject Debt Service Coverage Ratio | 0.90 | 0.91 | Verified | Field value reflects source document |
|  | 20251079 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251079 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251079 |  |  |  | Amortization Type |  | ARM | Verified | Field Value reflects Amortization Type per Note |
|  | 20251079 |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 20251079 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251079 |  |  |  | First Interest Rate Change Date |  | 2032-04-01 | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
|  | 20251079 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251079 |  |  |  | Interest Rate Life Floor | 2 | 3.5 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
|  | 20251079 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Agency Plus Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251080 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251080 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251080 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251080 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251080 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251081 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251081 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251081 |  |  |  | Coborrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 20251081 |  |  |  | Coborrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 20251082 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251082 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251082 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251082 |  |  |  | Representative FICO | 741 | 775 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
|  | 20251082 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251082 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251082 |  |  |  | Guideline Name |  | First Colony Mortgage Corp. Full Alt Combined 8.16.24 | Verified | Field value reflects source document |
|  | 20251083 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251083 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251083 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251083 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251083 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251084 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251084 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251084 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251084 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251084 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251084 |  |  |  | Investor: Qualifying Total Debt Ratio | 40.937 | 32.02723 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 20251084 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251085 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251085 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251085 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251085 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251085 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251085 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251086 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251087 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251087 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251087 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251087 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251087 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251087 |  |  |  | Guideline Name |  | Guaranteed Rate Arc Access Non-QM Guidelines 2.23.25 | Verified | Field value reflects source document |
|  | 20251088 |  |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251088 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251088 |  |  |  | Origination Channel |  | Broker | Verified | Field Value reflects Retail (Lender Originated) |
|  | 20251089 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251089 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251089 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251089 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Security Instrument |
|  | 20251089 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251089 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251091 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251091 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251091 |  |  |  | Amortization Type |  | ARM | Verified | Field Value reflects Amortization Type per Note |
|  | 20251091 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251091 |  |  |  | First Interest Rate Change Date |  | 2032-04-01 | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
|  | 20251091 |  |  |  | Interest Rate Periodic Cap | 2 | 1 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
|  | 20251091 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251091 |  |  |  | Interest Rate Initial Cap | 2 | 5 | Verified | Field Value reflects 'Interest Rate Initial Cap' per the Note |
|  | 20251091 |  |  |  | Interest Rate Life Floor | 2 | 3.75 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
|  | 20251091 |  |  |  | Guideline Name |  | Guaranteed Rate DSCR Program 2.23.25 | Verified | Field value reflects source document |
|  | 20251091 |  |  |  | Subject Debt Service Coverage Ratio | 1.10 | 1.08 | Verified | Field value reflects source document |
|  | 20251092 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251092 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251092 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251092 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251092 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251092 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251093 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251093 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251093 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251094 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251094 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251094 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251094 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251094 |  |  |  | Appraised Value | [Redacted] | [Redacted] | Verified | Field Value captured from Valuation model in file |
|  | 20251094 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251094 |  |  |  | Guideline Name |  | First Colony Mortgage DSCR Combined 8.16.24 | Verified | Field value reflects source document |
|  | 20251094 |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.03 | Verified | Field value reflects source document |
|  | 20251095 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251095 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251095 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251095 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251095 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251095 |  |  |  | Guideline Name |  | First Colony Mortgage DSCR Combined 8.16.24 | Verified | Field value reflects source document |
|  | 20251095 |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.01 | Verified | Field value reflects source document |
|  | 20251096 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251096 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251096 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251096 |  |  |  | Representative FICO | 773 | 793 |  |  |
|  | 20251096 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251096 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251096 |  |  |  | Investor: Qualifying Total Debt Ratio | 36.979 | 39.45417 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 20251096 |  |  |  | Guideline Name |  | Arc Access Clean Slate Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251097 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251097 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251097 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251097 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251097 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251097 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251097 |  |  |  | Subject Debt Service Coverage Ratio | 1.10 | 1.00 | Verified | Field value reflects source document |
|  | 20251099 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251099 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251099 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251099 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251099 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251100 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251100 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251100 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251100 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251100 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251100 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251101 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251101 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251101 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251101 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251101 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251101 |  |  |  | Investor: Qualifying Total Debt Ratio | 52.581 | 47.35837 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 20251101 |  |  |  | Guideline Name |  | New American Funding Private Label - 9.19.24 | Verified | Field value reflects source document |
|  | 20251102 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251102 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251102 |  |  |  | Amortization Type |  | Fixed | Verified | Unable to verify due to missing information |
|  | 20251102 |  |  |  | Lien Position |  | 1 | Verified | Unable to verify due to missing information |
|  | 20251102 |  |  |  | Guideline Name |  | First Colony Mortgage Corp. Full Alt Combined 8.16.24 | Verified | Unable to verify due to missing information |
|  | 20251103 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251103 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251103 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251103 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251103 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251104 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251104 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251104 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251104 |  |  |  | Representative FICO | 786 | 798 | Verified | Field Value Representative FICO reflects the lowest mid score of the highest wage earner |
|  | 20251104 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251104 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251104 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251105 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251105 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251105 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251105 |  |  |  | Subject Debt Service Coverage Ratio | 1.06 | 1.07 | Verified | Field value reflects source document |
|  | 20251225 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251225 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251225 |  |  |  | Coborrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 20251225 |  |  |  | Coborrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 20251225 |  |  |  | Subject Debt Service Coverage Ratio | 1.63 | 1.64 | Verified | Field value reflects source document |
|  | 20251226 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251226 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251226 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251226 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251226 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251226 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251226 |  |  |  | Subject Debt Service Coverage Ratio | 1.01 | 1.02 | Verified | Field value reflects source document |
|  | 20251227 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251227 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251227 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251227 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251227 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251227 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251228 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251228 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251228 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251228 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251228 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251228 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251228 |  |  |  | Subject Debt Service Coverage Ratio | 1.05 | 1.06 | Verified | Field value reflects source document |
|  | 20251230 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251230 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251230 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251230 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251230 |  |  |  | Guideline Name |  | First Colony Mortgage Corp. Full Alt Combined 8.16.24 | Verified | Field value reflects source document |
|  | 20251231 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251231 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251231 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251231 |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 20251231 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251231 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251231 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 4.23.25 | Verified | Field value reflects source document |
|  | 20251231 |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.01 | Verified | Field value reflects source document |
|  | 20251232 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251232 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251232 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251232 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251232 |  |  |  | Guideline Name |  | Origin Point, LLC Guidelines 11.25.24 | Verified | Field value reflects source document |
|  | 20251233 |  |  |  | Subject Debt Service Coverage Ratio | 1.02 | 1.03 | Verified | Field value reflects source document |
|  | 20251234 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251234 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251234 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251234 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251234 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251235 |  |  |  | Origination Channel |  | Broker | Verified | Field Value reflects Retail (Lender Originated) |
|  | 20251236 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251236 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251236 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251236 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251236 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251236 |  |  |  | Guideline Name |  | Guaranteed Rate Arc Access Non-QM Guidelines 2.23.25 | Verified | Field value reflects source document |
|  | 20251237 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251237 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251237 |  |  |  | Amortization Type |  | ARM | Verified | Field Value reflects Amortization Type per Note |
|  | 20251237 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251237 |  |  |  | First Interest Rate Change Date |  | 2032-05-01 | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
|  | 20251237 |  |  |  | Interest Rate Periodic Cap | 2 | 1 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
|  | 20251237 |  |  |  | Interest Rate Initial Cap | 2 | 5 | Verified | Field Value reflects 'Interest Rate Initial Cap' per the Note |
|  | 20251237 |  |  |  | Interest Rate Life Floor | 2 | 3.5 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
|  | 20251237 |  |  |  | Investor: Qualifying Total Debt Ratio | 47.417 | 44.97038 | Verified | Used Note rate per guidelines |
|  | 20251237 |  |  |  | Guideline Name |  | Guaranteed Rate Arc Access Non-QM Guidelines 2.23.25 | Verified | Field value reflects source document |
|  | 20251238 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251238 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251238 |  |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251238 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251238 |  |  |  | Subject Debt Service Coverage Ratio | 1.69 | 2.28 | Verified | Field value reflects source document |
|  | 20251239 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251239 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251239 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251239 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251239 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251239 |  |  |  | Original CLTV | 63.536 | 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) |
|  | 20251239 |  |  |  | Original LTV | 63.536 | 65 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
|  | 20251239 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251240 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251240 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251240 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251240 |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251240 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251240 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251240 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251240 |  |  |  | Subject Debt Service Coverage Ratio | 1.64 | 1.65 | Verified | Field value reflects source document |
|  | 20251241 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251241 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251242 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251243 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251243 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251243 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251243 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251243 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251243 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251245 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251245 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251245 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251245 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251245 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251245 |  |  |  | Guideline Name |  | New American Funding Private Label - 9.19.24 | Verified | Field value reflects source document |
|  | 20251246 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251246 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251246 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251246 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251246 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251246 |  |  |  | Guideline Name |  | Guaranteed Rate Arc Access Non-QM Guidelines 2.23.25 | Verified | Field value reflects source document |
|  | 20251247 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251247 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251247 |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.01 | Verified | Field value reflects source document |
|  | 20251248 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251248 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251248 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251248 |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 20251248 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251248 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251248 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251248 |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.04 | Verified | Field value reflects source document |
|  | 20251251 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251253 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251253 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251253 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251253 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251253 |  |  |  | Investor: Qualifying Total Debt Ratio | 20.54 | 18.5396 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 20251253 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251255 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251255 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251255 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251255 |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251255 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251255 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251255 |  |  |  | Guideline Name |  | Guaranteed Rate Arc Access Non-QM Guidelines 2.23.25 | Verified | Field value reflects source document |
|  | 20251256 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251256 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251256 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251257 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251257 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251257 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251257 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251257 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251257 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251258 |  |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251258 |  |  |  | Subject Debt Service Coverage Ratio | 1.02 | 1.03 | Verified | Field value reflects source document |
|  | 20251259 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251259 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251260 |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 20251260 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251260 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251260 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251260 |  |  |  | Representative FICO | 732 | 759 |  |  |
|  | 20251260 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251260 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251260 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251261 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251261 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251261 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251261 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251261 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 20251261 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251262 |  |  |  | Property Type | Single Family | 4 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251262 |  |  |  | Subject Debt Service Coverage Ratio | 1.15 | 1.16 | Verified | Field value reflects source document |
|  | 20251263 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251263 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251263 |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 20251263 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251263 |  |  |  | Subject Debt Service Coverage Ratio | 1.83 | 1.84 | Verified | Field value reflects source document |
|  | 20251264 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251264 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251264 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251264 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251264 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251264 |  |  |  | Guideline Name |  | Guaranteed Rate DSCR Program 2.23.25 | Verified | Unable to verify due to missing information |
|  | 20251265 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251265 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251265 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251265 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251265 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251266 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251266 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251266 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251266 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251266 |  |  |  | Guideline Name |  | CrossCountry Guidelines - 5.9.24 | Verified | Field value reflects source document |
|  | 20251267 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251267 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251267 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251267 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251267 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Agency Plus Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251268 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251268 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251268 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251268 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251268 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251268 |  |  |  | Guideline Name |  | Guaranteed Rate Arc Access Non-QM Guidelines 2.23.25 | Verified | Field value reflects source document |
|  | 20251269 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251269 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251269 |  |  |  | Coborrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 20251269 |  |  |  | Coborrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 20251269 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251269 |  |  |  | Subject Debt Service Coverage Ratio | 1.10 | 1.11 | Verified | Field value reflects source document |
|  | 20251270 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251271 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251271 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251271 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251271 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251271 |  |  |  | Guideline Name |  | Guaranteed Rate Arc Access Non-QM Guidelines 2.23.25 | Verified | Field value reflects source document |
|  | 20251272 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251272 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251272 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251272 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251272 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251272 |  |  |  | Guideline Name |  | CrossCountry Guidelines - 5.9.24 | Verified | Field value reflects source document |
|  | 20251273 |  |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251273 |  |  |  | Subject Debt Service Coverage Ratio | 1.28 | 1.29 | Verified | Field value reflects source document |
|  | 20251275 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251275 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251275 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251275 |  |  |  | Subject Debt Service Coverage Ratio | 1.21 | 1.22 | Verified | Field value reflects source document |
|  | 20251276 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251276 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251276 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251276 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251276 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251276 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251276 |  |  |  | Subject Debt Service Coverage Ratio | 1.18 | 1.16 | Verified | Field value reflects source document |
|  | 20251277 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251277 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251277 |  |  |  | Property Type | Single Family | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251277 |  |  |  | Subject Debt Service Coverage Ratio | 1.35 | 1.36 | Verified | Field value reflects source document |
|  | 20251279 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251279 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251279 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251279 |  |  |  | Representative FICO | 801 | 812 |  |  |
|  | 20251279 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251279 |  |  |  | Guideline Name |  | New American Funding Private Label - 9.19.24 | Verified | Field value reflects source document |
|  | 20251281 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251281 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251281 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251281 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251281 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251281 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251281 |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.06 | Verified | Field value reflects source document |
|  | 20251282 |  |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251282 |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20251283 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251283 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251283 |  |  |  | Coborrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 20251283 |  |  |  | Coborrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 20251283 |  |  |  | Original P&I | 2774.55 | 2744.55 | Verified | Field Value reflects Note value |
|  | 20251283 |  |  |  | Property Type | Single Family | 4 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251283 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251283 |  |  |  | Subject Debt Service Coverage Ratio | 1.28 | 1.31 | Verified | Field value reflects source document |
|  | 20251284 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251284 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251284 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251284 |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251284 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251284 |  |  |  | Guideline Name |  | CrossCountry Guidelines - 5.9.24 | Verified | Field value reflects source document |
|  | 20251285 |  |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251285 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251285 |  |  |  | Subject Debt Service Coverage Ratio | 1.47 | 1.66 | Verified | Field value reflects source document |
|  | 20251286 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251286 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251287 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251287 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251287 |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 20251287 |  |  |  | Property Type | Single Family | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251287 |  |  |  | Subject Debt Service Coverage Ratio | 1.20 | 1.21 | Verified | Field value reflects source document |
|  | 20251288 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251288 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251288 |  |  |  | Property Type | Single Family | 4 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251289 |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 20251289 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251289 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251289 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251289 |  |  |  | Property Type | Single Family Detached | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251289 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251289 |  |  |  | Guideline Name |  | HomeBridge - Access DSCR 3.14.25 | Verified | Field value reflects source document |
|  | 20251289 |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.67 | Verified | Field value reflects source document |
|  | 20251290 |  |  |  | Street | [Redacted] | [Redacted] | Verified | Field Value reflects Street per Note |
|  | 20251291 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251291 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251291 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251291 |  |  |  | Subject Debt Service Coverage Ratio | 1.31 | 1.32 | Verified | Field value reflects source document |
|  | 20251292 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251292 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251292 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251292 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251292 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251292 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251293 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251293 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251293 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251293 |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251293 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251293 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251293 |  |  |  | Guideline Name |  | Guaranteed Rate DSCR Program 2.23.25 | Verified | Field value reflects source document |
|  | 20251293 |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.03 | Verified | Field value reflects source document |
|  | 20251294 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251294 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251294 |  |  |  | Subject Debt Service Coverage Ratio | 1.35 | 1.36 | Verified | Field value reflects source document |
|  | 20251295 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251295 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251295 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251295 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251295 |  |  |  | Investor: Qualifying Total Debt Ratio | 25.421 | 28.61042 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 20251295 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251296 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251296 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251296 |  |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251296 |  |  |  | Subject Debt Service Coverage Ratio | 1.19 | 1.20 | Verified | Field value reflects source document |
|  | 20251298 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251298 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251298 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251298 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251298 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251298 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251299 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251299 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251299 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251299 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251299 |  |  |  | Guideline Name |  | CrossCountry Guidelines - 5.9.24 | Verified | Field value reflects source document |
|  | 20251301 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251301 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251301 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251301 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251301 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251301 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251301 |  |  |  | Subject Debt Service Coverage Ratio | 1.01 | 1.02 | Verified | Field value reflects source document |
|  | 20251302 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251302 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251302 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251302 |  |  |  | Representative FICO | 746 | 794 |  |  |
|  | 20251302 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251302 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251302 |  |  |  | Guideline Name |  | Guaranteed Rate Arc Access Non-QM Guidelines 2.23.25 | Verified | Field value reflects source document |
|  | 20251303 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251303 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251303 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251303 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251303 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251303 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251304 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251304 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251304 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251304 |  |  |  | Appraisal As-Is Value | [Redacted] | [Redacted] | Verified | Field value reflects source document |
|  | 20251304 |  |  |  | Subject Debt Service Coverage Ratio | 1.01 | 1.02 | Verified | Field value reflects source document |
|  | 20251305 |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 20251305 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251305 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251305 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251305 |  |  |  | Property Type | Condo (Low Rise) | Condo (High Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251305 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251305 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251306 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251306 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251306 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251306 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251306 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251307 |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.01 | Verified | Field value reflects source document |
|  | 20251309 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251309 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251309 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251309 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251309 |  |  |  | Appraised Value | [Redacted] | [Redacted] | Verified | Field Value captured from Valuation model in file |
|  | 20251309 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251309 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251311 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251311 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251311 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251311 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251311 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251311 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251312 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251312 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251312 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251312 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251312 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251312 |  |  |  | Guideline Name |  | First Colony Mortgage DSCR Combined 8.16.24 | Verified | Field value reflects source document |
|  | 20251314 |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 20251314 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251314 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251314 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251314 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251314 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251314 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251314 |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.01 | Verified | Field value reflects source document |
|  | 20251315 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251315 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251315 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251315 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251315 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251315 |  |  |  | Investor: Qualifying Total Debt Ratio | 42.175 | 36.14837 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 20251315 |  |  |  | Guideline Name |  | Guaranteed Rate Arc Access Non-QM Guidelines 2.23.25 | Verified | Field value reflects source document |
|  | 20251317 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251317 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251317 |  |  |  | Amortization Type |  | ARM | Verified | Field Value reflects Amortization Type per Note |
|  | 20251317 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251317 |  |  |  | Appraised Value | [Redacted] | [Redacted] | Verified | Field Value captured from Valuation model in file |
|  | 20251317 |  |  |  | First Interest Rate Change Date |  | 2032-04-01 | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
|  | 20251317 |  |  |  | Interest Rate Periodic Cap | 2 | 1 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
|  | 20251317 |  |  |  | Interest Rate Initial Cap | 2 | 5 | Verified | Field Value reflects 'Interest Rate Initial Cap' per the Note |
|  | 20251317 |  |  |  | Interest Rate Life Floor | 2 | 3.5 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
|  | 20251317 |  |  |  | Guideline Name |  | Origin Point, LLC Guidelines 11.25.24 | Verified | Field value reflects source document |
|  | 20251318 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251318 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251318 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251318 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251318 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251318 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251319 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251319 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251319 |  |  |  | Amortization Type |  | ARM | Verified | Field Value reflects Amortization Type per Note |
|  | 20251319 |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 20251319 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251319 |  |  |  | First Interest Rate Change Date |  | 2032-05-01 | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
|  | 20251319 |  |  |  | Interest Rate Periodic Cap | 2 | 1 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
|  | 20251319 |  |  |  | Interest Rate Initial Cap | 2 | 5 | Verified | Field Value reflects 'Interest Rate Initial Cap' per the Note |
|  | 20251319 |  |  |  | Interest Rate Life Floor | 2 | 3.5 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
|  | 20251319 |  |  |  | Guideline Name |  | Origin Point, LLC Guidelines 11.25.24 | Verified | Field value reflects source document |
|  | 20251320 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251320 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251320 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251320 |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value reflects the Approval/AUS in file. |
|  | 20251320 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251320 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251320 |  |  |  | Subject Debt Service Coverage Ratio | 1.01 | 1.00 | Verified | Field value reflects source document |
|  | 20251321 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251321 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251321 |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 20251321 |  |  |  | Coborrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 20251321 |  |  |  | Coborrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 20251321 |  |  |  | Coborrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 20251321 |  |  |  | Subject Debt Service Coverage Ratio | 1.27 | 1.28 | Verified | Field value reflects source document |
|  | 20251322 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251322 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251322 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251322 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251322 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251322 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251323 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251323 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251323 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251323 |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251323 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251323 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 20251323 |  |  |  | Guideline Name |  | Guaranteed Rate DSCR Program 2.23.25 | Verified | Unable to verify due to missing information |
|  | 20251324 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251324 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251325 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251325 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251325 |  |  |  | Subject Debt Service Coverage Ratio | 1.13 | 1.15 | Verified | Field value reflects source document |
|  | 20251326 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251326 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251326 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251326 |  |  |  | Property Type | Condo (Low Rise) | Condo (Mid Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251326 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251326 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251326 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251328 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251328 |  |  |  | Subject Debt Service Coverage Ratio | 1.03 | 1.04 | Verified | Field value reflects source document |
|  | 20251329 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251329 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251329 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251329 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251329 |  |  |  | Guideline Name |  | Arc Access Clean Slate Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251330 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251330 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251330 |  |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251332 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251332 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251332 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251332 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251332 |  |  |  | Guideline Name |  | Guaranteed Rate DSCR Program 2.23.25 | Verified | Field value reflects source document |
|  | 20251333 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251333 |  |  |  | Subject Debt Service Coverage Ratio | 1.22 | 1.23 | Verified | Field value reflects source document |
|  | 20251334 |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 20251334 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251334 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251334 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251334 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251334 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251334 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251335 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251335 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251335 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251335 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251335 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251339 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251339 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251339 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251339 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251339 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251341 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251341 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251341 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251341 |  |  |  | Property Type | Single Family Detached | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251341 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251341 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251341 |  |  |  | Investor: Qualifying Total Debt Ratio | 208.666 |  | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 20251341 |  |  |  | Guideline Name |  | Guaranteed Rate DSCR Program 2.23.25 | Verified | Field value reflects source document |
|  | 20251342 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251342 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251342 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251342 |  |  |  | Representative FICO | 776 | 803 |  |  |
|  | 20251342 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251342 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251342 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251344 |  |  |  | First Payment Date | [Redacted] | [Redacted] | Verified | Field Value reflects First Payment Date per the Note |
|  | 20251344 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251344 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251344 |  |  |  | Maturity Date | [Redacted] | [Redacted] | Verified | Field Value reflects Maturity Date per the Note |
|  | 20251344 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251344 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251344 |  |  |  | Guideline Name |  | Guaranteed Rate Arc Access Non-QM Guidelines 2.23.25 | Verified | Field value reflects source document |
|  | 20251345 |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 20251345 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251345 |  |  |  | Subject Debt Service Coverage Ratio | 1.01 | 1.02 | Verified | Field value reflects source document |
|  | 20251346 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251346 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251346 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251346 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251346 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251346 |  |  |  | Guideline Name |  | Origin Point, LLC Guidelines 11.25.24 | Verified | Field value reflects source document |
|  | 20251347 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251347 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251347 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251347 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251347 |  |  |  | Guideline Name |  | CrossCountry Guidelines - 5.9.24 | Verified | Field value reflects source document |
|  | 20251348 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251348 |  |  |  | Subject Debt Service Coverage Ratio | 1.45 | 1.46 | Verified | Field value reflects source document |
|  | 20251349 |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 20251349 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251349 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251349 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251349 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251349 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251350 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251350 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251350 |  |  |  | Property Type | Single Family | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251350 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251351 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251351 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251351 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251351 |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251351 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251351 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251351 |  |  |  | Guideline Name |  | Guaranteed Rate DSCR Program 2.23.25 | Verified | Field value reflects source document |
|  | 20251351 |  |  |  | Subject Debt Service Coverage Ratio | 1.01 | 1.04 | Verified | Field value reflects source document |
|  | 20251353 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251353 |  |  |  | Subject Debt Service Coverage Ratio | 1.03 | 1.04 | Verified | Field value reflects source document |
|  | 20251354 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251354 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251354 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251354 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251354 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251354 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251357 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251357 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251357 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251357 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251357 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251357 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251358 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251358 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251358 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251358 |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 20251358 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251358 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251358 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251359 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251359 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251359 |  |  |  | Property Type | Single Family | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251359 |  |  |  | Subject Debt Service Coverage Ratio | 1.06 | 1.25 | Verified | Field value reflects source document |
|  | 20251361 |  |  |  | Street | [Redacted] | [Redacted] | Verified | Field Value reflects Street per Note |
|  | 20251362 |  |  |  | Subject Debt Service Coverage Ratio | 0.75 | 0.76 | Verified | Field value reflects source document |
|  | 20251363 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251363 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251363 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251363 |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251363 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251363 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251363 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251363 |  |  |  | Subject Debt Service Coverage Ratio | 1.20 | 1.21 | Verified | Field value reflects source document |
|  | 20251364 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251364 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251364 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251364 |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251364 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251364 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251364 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251365 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251365 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251365 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251365 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251365 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251365 |  |  |  | Investor: Qualifying Total Debt Ratio | 2234.035 |  | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 20251365 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251366 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251366 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251366 |  |  |  | Amortization Type |  | ARM | Verified | Field Value reflects Amortization Type per Note |
|  | 20251366 |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 20251366 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251366 |  |  |  | First Interest Rate Change Date |  | 2030-05-01 | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
|  | 20251366 |  |  |  | Interest Rate Periodic Cap | 2 | 1 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
|  | 20251366 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251366 |  |  |  | Interest Rate Life Floor | 2 | 3.5 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
|  | 20251366 |  |  |  | Guideline Name |  | Guaranteed Rate Arc Access Non-QM Guidelines 2.23.25 | Verified | Field value reflects source document |
|  | 20251368 |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 20251368 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251368 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251368 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251368 |  |  |  | Property Type | Single Family Detached | 2 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251368 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251368 |  |  |  | Guideline Name |  | HomeBridge - Access DSCR 1.2.25 | Verified | Field value reflects source document |
|  | 20251369 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251369 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251369 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251369 |  |  |  | Representative FICO | 732 | 786 |  |  |
|  | 20251369 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251369 |  |  |  | Guideline Name |  | New American Funding Private Label - 9.19.24 | Verified | Field value reflects source document |
|  | 20251371 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251371 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251371 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251371 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251371 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251371 |  |  |  | Guideline Name |  | Origin Point, LLC Guidelines 11.25.24 | Verified | Field value reflects source document |
|  | 20251374 |  |  |  | Originator Loan Designation | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 20251375 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251375 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251375 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251375 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251375 |  |  |  | Guideline Name |  | CrossCountry Guidelines - 5.9.24 | Verified | Field value reflects source document |
|  | 20251376 |  |  |  | Subject Debt Service Coverage Ratio | 1.12 | 1.13 | Verified | Field value reflects source document |
|  | 20251377 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251377 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251377 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251377 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251377 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251377 |  |  |  | Guideline Name |  | Guaranteed Rate Arc Access Non-QM Guidelines 2.23.25 | Verified | Field value reflects source document |
|  | 20251379 |  |  |  | Property Type | Single Family | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251381 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251381 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251381 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251381 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251381 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251381 |  |  |  | Investor: Qualifying Total Debt Ratio | 587.303 |  | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 20251381 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251381 |  |  |  | Subject Debt Service Coverage Ratio | 1.30 | 1.31 | Verified | Field value reflects source document |
|  | 20251382 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251382 |  |  |  | Subject Debt Service Coverage Ratio | 1.26 | 1.28 | Verified | Field value reflects source document |
|  | 20251385 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251385 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251385 |  |  |  | Amortization Type |  | ARM | Verified | Field Value reflects Amortization Type per Note |
|  | 20251385 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251385 |  |  |  | First Interest Rate Change Date |  | 2032-05-01 | Verified | Field Value reflects 'Interest Rate First Change Date' per the Note |
|  | 20251385 |  |  |  | Interest Rate Periodic Cap | 2 | 1 | Verified | Field Value reflects 'Interest Rate Periodic Cap' per the Note |
|  | 20251385 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251385 |  |  |  | Interest Rate Initial Cap | 2 | 5 | Verified | Field Value reflects 'Interest Rate Initial Cap' per the Note |
|  | 20251385 |  |  |  | Interest Rate Life Floor | 2 | 3.25 | Verified | Field Value reflects 'Interest Rate Life Floor' per the Note |
|  | 20251385 |  |  |  | Guideline Name |  | Guaranteed Rate DSCR Program 2.23.25 | Verified | Field value reflects source document |
|  | 20251385 |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.08 | Verified | Field value reflects source document |
|  | 20251387 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251387 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251387 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251387 |  |  |  | Original CLTV | 70.819 | 72.12963 | Verified | Field Value reflects the sum of Original Principal Balance and other financing divided by the lowest appraised value. (Refinances) |
|  | 20251387 |  |  |  | Original LTV | 70.819 | 72.12963 | Verified | Field Value reflects the Original Principal Balance divided by the lowest appraised value. (Refinances) |
|  | 20251390 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251390 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251390 |  |  |  | Coborrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 20251390 |  |  |  | Coborrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 20251391 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251391 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251391 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251391 |  |  |  | Property Type | Condo (Low Rise) | Condo (Mid Rise) | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251391 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251391 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251391 |  |  |  | Guideline Name |  | Guaranteed Rate Arc Access Non-QM Guidelines 2.23.25 | Verified | Field value reflects source document |
|  | 20251393 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251393 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251393 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251393 |  |  |  | Subject Debt Service Coverage Ratio | 1.11 | 1.12 | Verified | Field value reflects source document |
|  | 20251395 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251395 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251395 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251395 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251395 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251396 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 20251396 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 20251396 |  |  |  | Property Type | Single Family | 3 Family | Verified | Unable to verify due to missing information |
|  | 20251397 |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 20251397 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251397 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251397 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251397 |  |  |  | Property Type | Single Family Detached | Single Family Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251397 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251397 |  |  |  | Guideline Name |  | Arc Access Clean Slate Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251400 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251400 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251400 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251400 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251400 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251400 |  |  |  | Investor: Qualifying Total Debt Ratio | 5.565 | 11.82565 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 20251400 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251401 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251401 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251401 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251401 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251401 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251401 |  |  |  | Investor: Qualifying Total Debt Ratio | 4.331 |  | Verified | DSCR file |
|  | 20251401 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251401 |  |  |  | Subject Debt Service Coverage Ratio | 1.02 | 1.03 | Verified | Field value reflects source document |
|  | 20251402 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251402 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251402 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251402 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251402 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251402 |  |  |  | Investor: Qualifying Total Debt Ratio | 30.498 | 39.57108 | Verified | Field Value DTI is higher than Tape value due to Lender used lower consumer debt than verified by audit |
|  | 20251402 |  |  |  | Guideline Name |  | New American Funding Private Label - 9.19.24 | Verified | Field value reflects source document |
|  | 20251403 |  |  |  | City | [Redacted] | [Redacted] | Verified | Field Value reflects City per Note |
|  | 20251403 |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 20251403 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251403 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251403 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251403 |  |  |  | Property Type | Single Family Detached | PUD | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251403 |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 20251403 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251403 |  |  |  | Investor: Qualifying Total Debt Ratio | 49.901 | 37.60026 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 20251403 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251404 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251404 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251404 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251404 |  |  |  | Property Type | Single Family Detached | 4 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251404 |  |  |  | Interest Only Period |  | 120 | Verified | Field Value reflects 'Interest Only Period' per the Note |
|  | 20251404 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251404 |  |  |  | Investor: Qualifying Total Debt Ratio | 315.443 |  | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 20251404 |  |  |  | Guideline Name |  | Guaranteed Rate DSCR Program 2.23.25 | Verified | Field value reflects source document |
|  | 20251404 |  |  |  | Subject Debt Service Coverage Ratio | 1.28 | 1.31 | Verified | Field value reflects source document |
|  | 20251405 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251405 |  |  |  | Coborrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Co-Borrower name as it appears on the Note |
|  | 20251406 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251406 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251407 |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 20251407 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251407 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251407 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251407 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251407 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251407 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251408 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251408 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251408 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251408 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251408 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251408 |  |  |  | Guideline Name |  | New American Funding Private Label - 9.19.24 | Verified | Field value reflects source document |
|  | 20251409 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251409 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251409 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251409 |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251409 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251409 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251409 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Unable to verify due to missing information |
|  | 20251411 |  |  |  | Originator Loan Designation | Higher Priced QM (APOR) | Safe Harbor QM (APOR) | Verified | Field value reflects source document |
|  | 20251413 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251413 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251413 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251413 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251413 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251413 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251414 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251414 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251414 |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 20251414 |  |  |  | Origination Channel |  | Broker | Verified | Field Value reflects Retail (Lender Originated) |
|  | 20251414 |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.01 | Verified | Field value reflects source document |
|  | 20251416 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251416 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251416 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251416 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251416 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251416 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251416 |  |  |  | Subject Debt Service Coverage Ratio | 1.35 | 1.36 | Verified | Field value reflects source document |
|  | 20251418 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251418 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251418 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251418 |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251418 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251418 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251419 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251419 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251419 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251419 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251419 |  |  |  | Guideline Name |  | Guaranteed Rate Arc Access Non-QM Guidelines 2.23.25 | Verified | Field value reflects source document |
|  | 20251420 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251420 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251420 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251420 |  |  |  | Property Type | PUD | PUD Attached | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251420 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251420 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251421 |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 20251421 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251421 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251421 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251421 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251421 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251421 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251421 |  |  |  | Subject Debt Service Coverage Ratio | 1.00 | 1.07 | Verified | Lower of 120% of 1007 or lease since lease is higher |
|  | 20251423 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251423 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251423 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251423 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251423 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251423 |  |  |  | Guideline Name |  | Guaranteed Rate Arc Access Non-QM Guidelines 11.25.24 | Verified | Field value reflects source document |
|  | 20251424 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251424 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251424 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251424 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251424 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251425 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251425 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251425 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251425 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251425 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251425 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251426 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251426 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251426 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251426 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251426 |  |  |  | Investor: Qualifying Total Debt Ratio | 25.526 |  | Verified | Asset Qualifier. |
|  | 20251426 |  |  |  | Guideline Name |  | ARC Access - Alt Income(No Ratio) 3.11.24 | Verified | Field value reflects source document |
|  | 20251428 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251428 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251428 |  |  |  | Borrower SSN | [Redacted] | [Redacted] | Verified | Field Value verified by application or other documentation in file |
|  | 20251428 |  |  |  | Coborrower First Name | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 20251428 |  |  |  | Coborrower Last Name | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 20251428 |  |  |  | Coborrower SSN | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 20251428 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 20251429 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251429 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251429 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251429 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251429 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251429 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251430 |  |  |  | Zip | [Redacted] | [Redacted] | Verified | Field Value reflects Zip per Note |
|  | 20251430 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251430 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251430 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251430 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251430 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251431 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251432 |  |  |  | Borrower First Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251432 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251432 |  |  |  | Note Date | [Redacted] | [Redacted] | Verified | Field Value reflects Note Date per the Note |
|  | 20251432 |  |  |  | Property Type | Single Family | 3 Family | Verified | Field Value captured from Appraisal or Valuation model in file |
|  | 20251432 |  |  |  | Subject Debt Service Coverage Ratio | 1.17 | 1.18 | Verified | Field value reflects source document |
|  | 20251434 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251434 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251434 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251434 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251434 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Unable to verify due to missing information |
|  | 20251434 |  |  |  | Guideline Name |  | Arc Edge and Arc Access DSCR Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251435 |  |  |  | Borrower Last Name | [Redacted] | [Redacted] | Verified | Field Value reflects Borrower name as it appears on the Note |
|  | 20251436 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251437 |  |  |  | Original Term |  | 360 | Verified | Field Value reflects the Note value |
|  | 20251437 |  |  |  | Amortization Term |  | 360 | Verified | Field Value reflects Amortization Term per Note |
|  | 20251437 |  |  |  | Amortization Type |  | Fixed | Verified | Field Value reflects Amortization Type per Note |
|  | 20251437 |  |  |  | Lien Position |  | 1 | Verified | Field Value reflects Lien Position per the Note |
|  | 20251437 |  |  |  | Contract Sales Price | [Redacted] | [Redacted] | Verified | Field Value reflects sales price as it appears on the sales/purchase contract and/or addendum |
|  | 20251437 |  |  |  | Guideline Name |  | Arc Edge and Arc Access Alt Income Combined 8.15.24 | Verified | Field value reflects source document |
|  | 20251438 |  |  |  | Investor: Qualifying Total Debt Ratio | 35.311 | 31.48443 | Verified | Field Value DTI is higher than Tape value due to Lender used higher qualifying income than verified by audit |
|  | 20251439 |  |  |  | Subject Debt Service Coverage Ratio | 1.21 | 1.22 | Verified | Field value reflects source document |

---

## Exhibit 99.7

[GCAT DEPOSITOR VI LLC ABS-15G](gcatnqm-abs15g.htm)

**Exhibit 99.7**

![](ex997001.jpg)

**June 5, 2025<br> Due Diligence Narrative Report**<br>

![](ex997002.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** | **7** |
| **Clayton Due Diligence Results** | **8** |
| **Clayton Third Party Reports Delivered** | **10** |
| **Appendix A: Credit Review Scope** | **11** |
| **Appendix B: Origination Appraisal Assessment** | **13** |
| **Appendix C: Regulatory Compliance Review Scope** | **16** |

---

 ****

GCAT 2025-NQM3 Due Diligence Narrative Report Page \| 1 June 5, 2025

 ****

 ****

**Clayton Contact Information**

Client Service Management:

---

| | | |
|:---|:---|:---|
| ![*](image_001.gif) | **Michael Santarsiere** | Client Service Director<br> Phone: (813) 371-0280/E-mail: <u>msantarsiere@clayton.com</u> |
| ![*](image_001.gif) | **Joe Ozment** | Vice President – Client Services & Securitization<br> Phone: (813) 261-0733/E-mail: <u>jozment@clayton.com</u> |

---

**Overview**

On behalf of AmWest Funding Corp, Clayton conducted an independent third-party pre-securitization due diligence review of 50 residential loans.

Blue River Mortgage VI LLC subsequently purchased these loans via Reliance Letter and selected them for the GCAT 2025-NQM3 transaction.

The loans referenced in this narrative report were reviewed on a flow basis between December 2024 and February 2025 at Clayton's centralized underwriting facilities in Tampa, FL. This narrative report provides information about the original lenders, the scope of work performed by Clayton, and the results of Clayton's review.

**Originators**

Origination channels for the loans in this review:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Broker | &nbsp;&nbsp;43 | &nbsp;&nbsp;86.00% |
| &nbsp;&nbsp;Correspondent Flow without delegated underwriting | &nbsp;&nbsp;6 | &nbsp;&nbsp;12.00% |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;1 | &nbsp;&nbsp;2.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**50** | &nbsp;&nbsp;**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 was performed in accordance with rating agency<sup>1</sup> loan level review standards in place as of the date of the review. This is referred to as a "Full Review."

GCAT 2025-NQM3 Due Diligence Narrative Report Page \| 2 June 5, 2025

![](ex997002.jpg)

Sampling

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

Review Type Loan Counts:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;***Review Type*** | &nbsp;&nbsp; ***Loan Count***<br> ***Reviewed by Clayton***  | &nbsp;&nbsp;***Scope Applied*** |
| &nbsp;&nbsp;**Full Review** | &nbsp;&nbsp;50 | &nbsp;&nbsp;Clayton performed a Full Review based on the scope described below in the section titled "TPR Component Review Scope". |
| &nbsp;&nbsp;**Total Loan Population** | &nbsp;&nbsp;50 |  |

---

Sponsor Acquisition Criteria

The loans were originated to each Seller's Guidelines and Clayton reviewed the loans to each Seller Guide Loan Eligibility Requirements, ("Sponsor Acquisition Criteria"). Clayton was supplied with all of the changes to the guidelines with advance notice. Guidelines presented were:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Primary Guideline** | **Loan Count** | **Percentage** |
| &nbsp;&nbsp;AmWest/Advantage Investor Plus - MATRIX GUIDELINES - February 6, 2025/02/2025 | 1 | 2.00% |
| &nbsp;&nbsp;AmWest/Advantage Investor Plus - MATRIX GUIDELINES - January 27, 2025/01/2025 | 1 | 2.00% |
| &nbsp;&nbsp;AmWest/Advantage Investor Plus - MATRIX GUIDELINES - November 15, 2024/11/2024 | 1 | 2.00% |
| &nbsp;&nbsp;AmWest/AmWest Advantage Program - MATRIX GUIDELINES - January 27, 2025/01/2025 | 2 | 4.00% |
| &nbsp;&nbsp;AmWest/AmWest Advantage Program - MATRIX GUIDELINES - November 15, 2024/11/2024 | 3 | 6.00% |
| &nbsp;&nbsp;AmWest/AmWest Investor Advantage - MATRIX GUIDELINES - February 6, 2025/02/2025 | 15 | 30.00% |
| &nbsp;&nbsp;AmWest/AmWest Investor Advantage - MATRIX GUIDELINES - January 27, 2025/01/2025 | 8 | 16.00% |
| &nbsp;&nbsp;AmWest/AmWest Investor Advantage - MATRIX GUIDELINES - November 15, 2024/11/2024 | 19 | 38.00% |
| &nbsp;&nbsp;**Total** | **50** | **100.00%** |

---

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.

GCAT 2025-NQM3 Due Diligence Narrative Report Page \| 3 June 5, 2025

![](ex997002.jpg)

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

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;▪ Examined Data Verify risk evaluation report, which was located in each loan file, for income, employment,
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;&nbsp;&nbsp;&nbsp;&nbsp;▪ Original Appraisal Assessment (50 loans)

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

– For more detail on the original appraisal review 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;&nbsp;&nbsp;&nbsp;&nbsp;▪ Value Supported Analysis (50 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;

● AVM

● BPO

● Desk Review

● Field Review

● Second Full Appraisal

For further detail please refer to the GCAT 2025-NQM3 Valuations Summary Report

GCAT 2025-NQM3 Due Diligence Narrative Report Page \| 4 June 5, 2025

![](ex997002.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;&nbsp;&nbsp;&nbsp;&nbsp;▪ Tested for certain applicable federal, state and local high cost and/or anti-predatory laws;

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

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

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

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

– TIL APR and Finance charge tolerances;

– Timeliness of ARM Disclosures (if applicable);

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

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

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

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;

○ 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;&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") firm's role as TPR conducting an independent third-party pre-securitization due diligence review ("Initial TRID Scope"). The Initial TRID Scope was created with guidance from outside counsel.

GCAT 2025-NQM3 Due Diligence Narrative Report Page \| 5 June 5, 2025

![](ex997002.jpg)

On, June 15th, 2016 SFA 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 SFA'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 SFA 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.

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

<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).

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.

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:

● Cook County High Cost Ordinance

● 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

● Virginia Lender and Broker Act after 6/1/2008

● 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)

● Sufficiency of coverage

● Escrow of insurance payments

GCAT 2025-NQM3 Due Diligence Narrative Report Page \| 6 June 5, 2025

![](ex997002.jpg)

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 tape. The file format was provided as part of the pre-securitization reporting package. Additionally, Clayton captured rating agency required data points relating to ATR/QM determination, which is provided in the reporting package.

**Data Compare Results**

Clayton provided Blue River Mortgage VI LLC with a copy of the Loan Level Tape Compare Upload which shows the differences between the data received by the sellers versus the data captured by Clayton during the loan review.

Summary of data compare results:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Field Name** | &nbsp;&nbsp;**#** | &nbsp;&nbsp;**Accuracy %** |
| &nbsp;&nbsp;Borrower 1 First Time Home Buyer | &nbsp;&nbsp;5 | &nbsp;&nbsp;90.00% |
| &nbsp;&nbsp;Borrower 1 Total Income | &nbsp;&nbsp;2 | &nbsp;&nbsp;96.00% |
| &nbsp;&nbsp;Borrower 2 First Time Home Buyer | &nbsp;&nbsp;2 | &nbsp;&nbsp;96.00% |
| &nbsp;&nbsp;Borrower DSCR Percent | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.00% |
| &nbsp;&nbsp;Debt to Income Ratio (Back) | &nbsp;&nbsp;2 | &nbsp;&nbsp;96.00% |
| &nbsp;&nbsp;Disbursement Date | &nbsp;&nbsp;3 | &nbsp;&nbsp;94.00% |
| &nbsp;&nbsp;Original Appraised Value | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.00% |
| &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.00% |
| &nbsp;&nbsp;Original P&I | &nbsp;&nbsp;1 | &nbsp;&nbsp;98.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;5 | &nbsp;&nbsp;90.00% |
| &nbsp;&nbsp;Total Cash Out | &nbsp;&nbsp;2 | &nbsp;&nbsp;96.00% |

---

GCAT 2025-NQM3 Due Diligence Narrative Report Page \| 7 June 5, 2025

![](ex997002.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 grades.<br>

**Initial and Final Overall Loan Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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** | 39 | 1 | 3 | 5 | **48** |
| **Final** | **B** |  |  |  | 2 | **2** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **39** | **1** | **3** | **7** | **50** |

---

**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** | 39 | 1 | 3 | 5 | **48** |
| **Final** | **B** |  |  |  | 2 | **2** |
| **Final** | **C** |  |  |  |  | **0** |
| **Final** | **D** |  |  |  |  | **0** |
| **Final** | **Total** | **39** | **1** | **3** | **7** | **50** |

---

\*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**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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 | 43 |  | 2 | 3 | **48** |
| **Final** | B |  |  |  | 2 | **2** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **43** | **0** | **2** | **5** | **50** |

---

GCAT 2025-NQM3 Due Diligence Narrative Report Page \| 8 June 5, 2025

![](ex997002.jpg)

**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 | 43 |  | 2 | 3 | **48** |
| **Final** | B |  |  |  | 2 | **2** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **43** | **0** | **2** | **5** | **50** |

---

**Initial and Final Property Valuation Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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 | 47 | 1 | 2 |  | **50** |
| **Final** | B |  |  |  |  | **0** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **47** | **1** | **2** | **0** | **50** |

---

**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 | 47 | 1 | 2 |  | **50** |
| **Final** | B |  |  |  |  | **0** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **47** | **1** | **2** | **0** | **50** |

---

**Initial and Final Regulatory Compliance Grade Results**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
|  | **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 | 48 |  |  | 2 | **50** |
| **Final** | B |  |  |  |  | **0** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **48** | **0** | **0** | **2** | **50** |

---

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**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 | 48 |  |  | 2 | **50** |
| **Final** | B |  |  |  |  | **0** |
| **Final** | C |  |  |  |  | **0** |
| **Final** | D |  |  |  |  | **0** |
| **Final** | **Total** | **48** | **0** | **0** | **2** | **50** |

---

\*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.

**Clayton Third Party Reports Delivered**

Clayton furnished the following reports on this transaction:

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;2. Form 15E

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;3. Conditions Report

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;4. Loan Level Tape Compare Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;5. Waived Conditions Summary Report

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;7. NON-ATR QM Upload

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

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;9. ASF Upload

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;10. Rating Agency ATR/QM Data Fields

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**Appendix A: Credit Review Scope**

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

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

○ DTI

○ LTV/TLTV/HLTV

○ Credit score

○ Income and employment

○ Assets and reserves

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

○ Borrower eligibility, including:

– Citizenship status

– Non- occupant co-borrower

○ Transaction eligibility, including:

Maximum loan amount

– Loan purpose

– Occupancy

○ 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:

○ 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

○ 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

○ 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

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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;▪ 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

○ 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

○ 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

○ 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 issues was addressed in the transaction

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

– Captured monthly tax payments in debt ratio calculation

○ 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

○ 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

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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;▪ 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

Confirmed that any required insurance minimum coverage amount and policy period

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

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

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

○ 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:

○ Borrower identity

– Social Security inconsistencies

– Borrower name variations

○ Occupancy

– Borrower address history

– Subject property ownership history

○ Employment

○ Licensing – reviewed NMLS data for:

– Mortgage lender/originator

– Loan officer

○ 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:

○ Appraisal report used standard GSE forms, appropriate to the property type:

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

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

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

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

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

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

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○ 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:

○ 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

○ 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:

○ Appraised value was reasonably supported. Utilized the following review in making value supported determination:

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

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

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

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

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

○ 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

○ 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

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– Property usage was reviewed for zoning compliance

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

– Neighborhood values were reviewed to determine if declining

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

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

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

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

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

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

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

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

– Style of property was reviewed to determine if unique property

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

– Locational and/or environmental concerns adequately addressed if present

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

○ 3 to 4 unit owner occupied properties

○ 2 to 4 unit second homes

○ Unwarrantable or limited review condominiums

○ Manufactured or mobile homes

○ Condotel units

○ Unique properties

○ Working farms, ranches or orchards

○ Mixed-use properties

○ Properties subject to existing oil or gas leases

○ Properties located in Hawaii Lava Zones 1 and 2

○ 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.

○ 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.

F. Disclaimer

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

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

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

○ 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.

○ Clayton does not check to see if the appraiser is on the Freddie Mac exclusionary list

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G. Desk Review definitions

○ 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.

○ 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 insure 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.

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

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

○ 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

○ Initial Good Faith Estimate, (GFE): timing and content of the initial disclosure

○ 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

○ 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

○ 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.

○ 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

○ 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:

○ 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.

○ 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)

○ 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

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

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○ High Cost mortgage thresholds for points and fees (Section 32)

○ High Cost Prohibited Acts and Practices upon request (Section 33)

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

○ 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)

○ 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)

○ TILA/RESPA Integrated Disclosure Rule: "The Initial TRID Scope" and "RMBS 3.0 TRID Compliance Review 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:

● Pre-application forms cannot look similar to the LE

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

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

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

● 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.

● 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:

● Zero and ten percent tolerance fees are only reset with a valid and timely change of circumstance.

● 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:

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

● Interest-only periods and final balloon payments are accurately completed.

● The total of the principal and interest payment, mortgage insurance and escrow amounts add up correctly.

● 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

● Amount Financed

● Finance Charge

● Total of Payments

● Total interest percentage

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

● Compliance with the TRID rounding rules.

● Compliance with specified formatting requirements.

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

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● Alphabetization of fees.

● Title fees preceded by "Title –."

● 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

● Once a fee is disclosed it must remain substantially the same name across disclosures.

● 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.

● 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.

● 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

● 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.

● For areas where multiple options are provided, such as Assumption, Negative Amortization and Liability after Foreclosure, only one option is indicated.

● 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

● 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

● 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.

● Whether the product or a product feature changed which requires a new waiting period and whether that waiting period was provided.

● 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

● Corrected CD's provided with a post-close refund.

● Post-close CD's to correct numerical errors based on events (such as recording) occurring within 30 days of consummation.

● 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

● Provision and timing of Your Home Loan Toolkit (first lien, purchase-money loans)

● Written List of Providers, when there are items in in the Services You Can Shop For category (can impact fee tolerances)

● 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:

● 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.

● Whether the Liability after Foreclosure selection is correct for the property state.

GCAT 2025-NQM3 Due Diligence Narrative Report Page \| 18 June 5, 2025

![](ex997002.jpg)

● Accuracy of the Aggregate Adjustment amount.

● Presence and accuracy of the Seller's Transaction columns of the Summaries of Transactions section.

● 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.

**<u>STATE, COUNTY and MUNICIPAL LAW</u>**

**A.** **Higher-Priced** 

Clayton test whether a loan meets the thresholds for a higher-priced, rate spread, subprime or nonprime mortgage loan, and whether such loan meets regulatory requirements, in the following states:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Higher-Priced** | &nbsp;&nbsp;**Higher-Priced** | &nbsp;&nbsp;**Higher-Priced** |
| &nbsp;&nbsp;California | &nbsp;&nbsp;Maryland | &nbsp;&nbsp;New York |
| &nbsp;&nbsp;Connecticut | &nbsp;&nbsp;Massachusetts (subprime ARMS to first time homebuyers) | &nbsp;&nbsp;North Carolina |
| &nbsp;&nbsp;Maine | &nbsp;&nbsp;Minnesota |  |

---

**B.** **State/Local High Cost** 

Clayton test whether a loan meets the thresholds for a high cost or covered loan in the following states, counties and municipalities, and also tests for compliance with provisions in such laws that apply to all loans subject to high cost testing:

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**State/Local High Cost** | &nbsp;&nbsp;**State/Local High Cost** | &nbsp;&nbsp;**State/Local High Cost** |
| &nbsp;&nbsp;Arkansas | &nbsp;&nbsp;Maine | &nbsp;&nbsp;Pennsylvania |
| &nbsp;&nbsp;California | &nbsp;&nbsp;Maryland | &nbsp;&nbsp;Rhode Island, including the Providence ordinance |
| &nbsp;&nbsp;Colorado | &nbsp;&nbsp;Massachusetts | &nbsp;&nbsp;South Carolina |
| &nbsp;&nbsp;Connecticut | &nbsp;&nbsp;Nevada | &nbsp;&nbsp;Tennessee |
| &nbsp;&nbsp;District of Columbia | &nbsp;&nbsp;New Jersey | &nbsp;&nbsp;Texas |
| &nbsp;&nbsp;Florida | &nbsp;&nbsp;New Mexico | &nbsp;&nbsp;Utah |
| &nbsp;&nbsp;Georgia | &nbsp;&nbsp;New York | &nbsp;&nbsp; Vermont<br> (High Rate, High Point law) |
| &nbsp;&nbsp;Illinois, including the Cook County and Chicago ordinances | &nbsp;&nbsp;North Carolina | &nbsp;&nbsp;Wisconsin |
| &nbsp;&nbsp;Indiana | &nbsp;&nbsp; Ohio, including<br> Cleveland Heights ordinance |  |
| &nbsp;&nbsp;Kentucky | &nbsp;&nbsp;Oklahoma |  |

---

GCAT 2025-NQM3 Due Diligence Narrative Report Page \| 19 June 5, 2025

![](ex997002.jpg)

**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:

● Minnesota (Mortgage Originator and Service Licensing Act)

● Puerto Rico (Office Regulation 5722)

● Texas (Texas Finance Code)

● 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) |  |

---

GCAT 2025-NQM3 Due Diligence Narrative Report Page \| 20 June 5, 2025

![](ex997002.jpg)

See above for additional details on Consumer Protection Laws and 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

GCAT 2025-NQM3 Due Diligence Narrative Report Page \| 21 June 5, 2025

## Exhibit 99.8

[GCAT DEPOSITOR VI LLC ABS-15G](gcatnqm-abs15g.htm)

**Exhibit 99.8**

---

| | | |
|:---|:---|:---|
| **Client Name:** |  |  |
| **Client Project Name:** | **GCAT 2025-NQM3** |  |
| **Start - End Dates:** | **12/2/2024 - 2/20/2025** |  |
| **Deal Loan Count:** |  |  |
| **Conditions Report 2.0** | **Conditions Report 2.0** | **Conditions Report 2.0** |
| ***Loans in Report:*** | *50* | *50* |
| ***Loans with Conditions:*** | *11* | *11* |
| **2 - Total Active Conditions** | **2 - Total Active Conditions** | **2 - Total Active Conditions** |
| **2 - Non-Material Conditions** | **2 - Non-Material Conditions** | **2 - Non-Material Conditions** |
|  | 2 - Credit Review Scope | 2 - Credit Review Scope |
|  |  | 1 - Category: Application |
|  |  | 1 - Category: Legal Documents |
| **14 - Total Satisfied Conditions** | **14 - Total Satisfied Conditions** | **14 - Total Satisfied Conditions** |
|  | 9 - Credit Review Scope | 9 - Credit Review Scope |
|  |  | 2 - Category: Application |
|  |  | 3 - Category: Assets |
|  |  | 1 - Category: DTI |
|  |  | 1 - Category: Income/Employment |
|  |  | 1 - Category: Terms/Guidelines |
|  |  | 1 - Category: Title |
|  | 3 - Property Valuations Review Scope | 3 - Property Valuations Review Scope |
|  |  | 3 - Category: FEMA |
|  | 2 - Compliance Review Scope | 2 - Compliance Review Scope |
|  |  | 1 - Category: Compliance Manual |
|  |  | 1 - Category: Documentation |
| **0 - Total Waived Conditions** | **0 - Total Waived Conditions** | **0 - Total Waived Conditions** |
| <br>©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. | <br>©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. | <br>©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. |

---

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client Name:** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** | **GCAT 2025-NQM3** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** | **12/2/2024 - 2/20/2025** | **12/2/2024 - 2/20/2025** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | **50** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Conditions Report 2.0** | **Conditions Report 2.0** | **Conditions Report 2.0** | **Conditions Report 2.0** | **Conditions Report 2.0** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans in Report:*** | *50* | *50* | *50* | *50* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans with Conditions:*** | *11* | *11* | *11* | *11* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan Number** | **Marketing ID** | **Original Principal Balance** | **State** | **Initial Lender ATR/QM Status** | **Loan Level ATR/QM Status** | **Initial Securitization Overall Loan Grade** | **Final Securitization Overall Loan Grade** | **Initial Securitization Credit Loan Grade** | **Final Securitization Credit Loan Grade** | **Initial Securitization Property Valuations Loan Grade** | **Final Securitization Property Valuations Loan Grade** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Overall Loan Grade** | **Final S&P Overall Loan Grade** | **Initial S&P Credit Loan Grade** | **Final S&P Credit Loan Grade** | **Initial S&P Property Valuations Loan Grade** | **Final S&P Property Valuations Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Condition Category** | **Condition Sub Category** | **Condition Status** | **Initial Securitization Condition Grade** | **Final Securitization Condition Grade** | **Initial S&P Condition Grade** | **Final S&P Condition Grade** | **Condition Code** | **Condition Description** | **Condition Material Indicator** | **Initial Comments** | **Client/Seller Response Comments** | **Conclusion Comments** | **TRID Error Type** | **Cure Method** | **Compensating Factors** |
| XXXXXX | 20251106 | XXXXXX | MA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: borrower has > 3.69 months PITIA above guideline minimum.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: borrower LTV is < 10.11 points below guideline maximum. |
| XXXXXX | 20251109 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 99 points above guideline<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: borrower has > 3.38 months PITIA above guideline minimum. |
| XXXXXX | 20250854 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is 10 points below guideline maximum. |
| XXXXXX | 20250858 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > 24.87 months PITIA above guideline minimum.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is 49 points below guideline maximum.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower median score is 88 points above guideline minimum. |
| XXXXXX | 20251112 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: borrower has > 9.71 months PITIA above guideline minimum. |
| XXXXXX | 20250861 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > 35 months PITIA above guideline minimum. |
| XXXXXX | 20250864 | XXXXXX | NJ | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 55 points above guideline minimum<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV > 30.64 points below guideline maximum |
| XXXXXX | 20250865 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV > 1.77 points below guideline maximum<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > 34 months PITI above guideline minimum |
| XXXXXX | 20251114 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > 100 months PITI reserves above guideline minimum |
| XXXXXX | 20250877 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | A | Property Valuations | FEMA | Satisfied | B | A | B | A | PRVAFEMA856 | Natural Disaster Area, no subsequent inspection (Public) | No | Public declaration #XXX declaration date XXX, Hurricane XXX, Non-Material B | 12/31/24 - FEMA event was XXX, property appraisal inspection occurred on XXX, reflecting no damage to the subject property. | 12/31/24 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: borrower has > 3.60 months PITIA above guideline minimum. |
| XXXXXX | 20250883 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30x239<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 117 points above guideline minimum.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is > 16.58 points below guideline maximum. |
| XXXXXX | 20250884 | XXXXXX | MA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 47 points above guideline minimum<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > 19.89 months PITI above guideline minimum |
| XXXXXX | 20250888 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 86 points above guideline minimum<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV > 40.47 points below guideline maximum |
| XXXXXX | 20250895 | XXXXXX | NC | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV > 15.12 points below guideline maximum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 26 points above guideline minimum |
| XXXXXX | 20250896 | XXXXXX | VA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 133 points above guideline minimum<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has 0x30x33 mortgage payment history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > 21.13 months PITIA above guideline minimum. |
| XXXXXX | 20251117 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Assets | Satisfied | D | A | D | A | CRDAST2354 | Asset Verification In File is Incomplete Per Requirements | No | Missing supporting documentation borrower is owner of XXX Business account ending #XXX in the name of XXX | 2/12/25 - Lender provided copies of the IRS Filings showing the borrower is the owner of the account. | 2/12/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 171 points above guideline minimum.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30x87 months consumer pay history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > 148.30 months PITIA above guideline minimum. |
| XXXXXX | 20251117 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Legal Documents | Active | D | B | D | B | CRDLGL100 | Legal document incorrect or incomplete | No | Missing addendum to Contract reflecting the name of buyer as XXX per guidelines. Vesting is in the name of XXX | 2.12.2025 - Lender indicated that borrower is Sole owner and does not need to be in LLC Name - This is incorrect according to Guidelines borrower must be XXX and Contract must XXX name.2/14/2025 Client requested review of exception for purchase contract in name of borrower and not the LLC as vested and required by guidelines. Upon further review, exception is considered non-material as borrower is XXX of business that the subject is vested in, 791 FICO vs 700 required by guidelines, DSCR of 1.71 vs. 0.85 required by guidelines, and 148 months PITI reserves. | Final grade B | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 171 points above guideline minimum.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30x87 months consumer pay history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > 148.30 months PITIA above guideline minimum. |
| XXXXXX | 20251117 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Terms/Guidelines | Satisfied | C | A | C | A | CRDTER3122 | Loan documents do not meet guideline requirements | No | Vesting is in the name of XXX. Missing organization documentation reflecting Members and percentage owned per guidelines. | 2/12/25 - Lender provided copies of the IRS Filings showing the borrower is the sole owner of the account. | 2/12/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 171 points above guideline minimum.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30x87 months consumer pay history.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > 148.30 months PITIA above guideline minimum. |
| XXXXXX | 20251118 | XXXXXX | NY | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Borrower's representative score is 32 point above minimum score of 660<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 0 x 30 x 17 months |
| XXXXXX | 20250907 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 129 points above guideline minimum.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > 16.71 months PITIA above guideline minimum. |
| XXXXXX | 20250909 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Documentation | Satisfied | D | A | D | A | CMPDOC5475 | Incomplete Prepayment Penalty Addendum | No | Please provide page 1 of Note addendum prepayment penalty | 1/16/25 - Lender provided a complete copy of the Note including the 2 full addendums. | 1/16/24 - Exception satisfied. | Not Applicable | Not Applicable | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has 24 years at current residence<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > 101.60 months PITI above guideline minimum |
| XXXXXX | 20250911 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: B1 has 10 years at current residence.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV of 70% below max guidelines. |
| XXXXXX | 20251122 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is 20 points below guideline maximum.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > 105 months PITIA above guideline minimum.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Median FICO > 77 points above guideline minimum<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage History: 0 x 30 x 25 |
| XXXXXX | 20250921 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30x79 consumer pay history.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has 0x30x34<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 83 points above guideline minimum.<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has significant time at current residence 15 years.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > 20.74 months PITIA above guideline minimum. |
| XXXXXX | 20250931 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 121 points above guideline minimum<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has resided in primary residence for the past 10 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower's LTV is >24 points below maximum |
| XXXXXX | 20250938 | XXXXXX | UT | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Significant time at current residence 14 years<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Mortgage is 0x30x44<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 63 points above guideline minimum<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: borrower has > 156.63 months PITIA above guideline minimum.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: borrower LTV is < 17.27 points below guideline maximum. |
| XXXXXX | 20251132 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: borrower has > 25.54 months PITIA above guideline minimum.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: borrower LTV is < 10 points below guideline maximum. |
| XXXXXX | 20250943 | XXXXXX | MD | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has 0x30x36<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > 10.34 months PITIA above guideline minimum.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30x134<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 152 points above guideline minimum.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is >20 points below guideline maximum. |
| XXXXXX | 20250945 | XXXXXX | PA | (No Data) | ATR/QM: Exempt | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Credit | Application | Active | D | B | D | B | CRDAPP3822 | Missing or incomplete documentation related to citizenship/residency | No | Borrower is a Foreign National. Missing valid VISA and XXX per XXX guidelines. Passport in file. | 2.21.2025 - Lender provided copy of XXX which is already in file, however the borrower's signature is blank, only schools signature is present on Document2/24/2025 - Upon further review, based on the borrower providing a Passport and Student Visa outlining the doctorate program from XXX to XXX this is deemed a non-material B. | 2/24/2025 - final grade B. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 63 points above guideline minimum of 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > 3 months PITIA above guideline minimum of 3 months.. |
| XXXXXX | 20251142 | XXXXXX | IL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > 44.57 months PITIA above guideline minimum.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is < 11.46 points below guideline maximum. |
| XXXXXX | 20251144 | XXXXXX | MA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > 70 months PITI reserves above guideline minimum.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV > 20 points below guideline maximum |
| XXXXXX | 20251147 | XXXXXX | OH | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > 242.98 months PITIA above guideline minimum.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 27 points above guideline |
| XXXXXX | 20251157 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is 5 points below guideline maximum of 75%.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 72 points above guideline minimum of 680<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has 103 months PITI above guideline minimum of 3 months PITI. |
| XXXXXX | 20251158 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Application | Satisfied | D | A | D | A | CRDAPP130 | Application is incomplete | No | DOB for XXX on final 1003 shows XXX, correction is required. | 1/31/25 - Lender provided a revised 1003 for XXX reflecting a date of birth to be XXX. | 1/31/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: almost 5 months in reserves<br>CFCFS3836: Borrower Net Worth<br> - Clayton Comments: Primary residence owned free and cleat. |
| XXXXXX | 20251168 | XXXXXX | AZ | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score is >50 points above guideline minimum |
| XXXXXX | 20251173 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is > 18.78 points below guideline maximum.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 150 points above guideline minimum.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has 0x30x51 mortgage payment history. |
| XXXXXX | 20251174 | XXXXXX | GA | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 60 points above guideline minimum<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: borrower has > 31.28 months PITIA above guideline minimum. |
| XXXXXX | 20251179 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > 25 months PITI reserves above guideline minimum<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Credit score > 100 points above guideline minimum |
| XXXXXX | 20251184 | XXXXXX | IN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 96 points above guideline<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: borrower LTV is < 19.67 points below guideline maximum. |
| XXXXXX | 20251186 | XXXXXX | IN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is > 16.28 points below guideline maximum.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 141 points above guideline minimum |
| XXXXXX | 20251190 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 0 x 30 x 74 months<br>CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower in residence for the past 7 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: LTV is 5 points below maximum of 75% allowed by G/L's |
| XXXXXX | 20251199 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 18 points above guideline<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: borrower has > 8.88 months PITIA above guideline minimum.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: borrower LTV is < 5 points below guideline maximum. |
| XXXXXX | 20251205 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1736: Significant time at current residence<br> - Clayton Comments: Borrower has owned their primary for the past 23 years<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is 34 points below guideline maximum.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 179 points above guideline minimum<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > 6 months PITIA above guideline minimum. |
| XXXXXX | 20251206 | XXXXXX | FL | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is > 9.04 points below guideline maximum.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 126 points above guideline minimum.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has 0x30x88<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30x195 |
| XXXXXX | 20251208 | XXXXXX | TN | (No Data) | ATR/QM: Exempt | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is > 8.33 points below guideline maximum.<br>CFCFS1739: Postive mortgage payment history<br> - Clayton Comments: Borrower has 0x30x65 mortgage payment history.<br>CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 120 points above guideline minimum.<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > 116.87 months PITIA above guideline minimum. |
| XXXXXX | 20251212 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | Application | Satisfied | D | A | D | A | CRDAPP130 | Application is incomplete | No | Automatic Payment Authorization (ACH) Form is required for all foreign national borrowers.No ACH was Located in file. | 2.14.2025 Lender changed G/L dates to accommodate the missing ACH | 2.14.2025 - Exception satisfied | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > 24.06 months PITIA above guideline minimum.<br>CFCFS1737: LTV below guideline requirements<br> - Clayton Comments: Borrower LTV is < 5 points below guideline maximum. |
| XXXXXX | 20250953 | XXXXXX | TX | (No Data) | ATR/QM: Exempt | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Credit | Title | Satisfied | C | A | C | A | CRDTIL875 | Title Does Not Agree With Mortgage | No | This is a refinance Cash - Out of an Investment Property.Title shows Property Vested in O and K Investments, no documentation located in file to associate Borrower with O and K Investments. | 12/5/24 - Lender provided an updated title reflecting the borrower's name, not the LLC. | 12/5/24 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has 9 months PITI reserves, more than required 3 months PITI |
| XXXXXX | 20250954 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Compliance | Compliance Manual | Satisfied | D | A | D | A | CMPMAN2956 | Missing disclosure | No | Missing business purpose certification | 1/9/25 - Lender provided a copy of the missing Business Purposes Loan Certification. | 1/9/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > 70 months PITIA reserves above guideline minimum<br>CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 26 years at current job<br>CFCFS1744: DTI below guideline requirement<br> - Clayton Comments: DTI > 30 points below guideline maximum |
| XXXXXX | 20251222 | XXXXXX | CA | QM: Safe Harbor | QM: Safe Harbor (APOR) | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST205 | Insufficient Funds to Close | No | Per final CD Borrowers need to bring in XXX to close.No Asset Statements in file | 2.5.2024 - Lender provided Final CD from XXX. cash-out refinance to support required reserves required on this file. | 2.5 Exception Satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 5 years with current company<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 42 months in reserves |
| XXXXXX | 20251222 | XXXXXX | CA | QM: Safe Harbor | QM: Safe Harbor (APOR) | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | Credit | Assets | Satisfied | C | A | C | A | CRDAST3078 | Insufficient # of months cash reserves for PITI per guideline requirements | No | Required PITI reserves are XXX = XXX no reserves verified | 2.5.2024 - Lender provided Final CD from XXX. cash-out refinance to support required reserves required on this file. | 2.5.2024 Exception satisfied | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 5 years with current company<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 42 months in reserves |
| XXXXXX | 20251222 | XXXXXX | CA | QM: Safe Harbor | QM: Safe Harbor (APOR) | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | Credit | Income/Employment | Satisfied | C | A | C | A | CRDINC2488 | Verbal verification of employment missing | No | Missing Verbal VOEs within 10 days of the note date | 2/6/25 - Lender provided VVOE's for both borrowers dated the day of the note. | 2/6/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 5 years with current company<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 42 months in reserves |
| XXXXXX | 20251222 | XXXXXX | CA | QM: Safe Harbor | QM: Safe Harbor (APOR) | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | Property Valuations | FEMA | Satisfied | C | A | C | A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | Missing PDI for Individual & Public declaration XXX declaration date XXX, Wildfires and Straight-Line Winds | 2/5/25 - Lender provided a post disaster inspection report reflecting no damage to the subject property. | 2/5/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1734: Borrower has significant time at current job<br> - Clayton Comments: 5 years with current company<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: 42 months in reserves |
| XXXXXX | 20251223 | XXXXXX | CA | (No Data) | ATR/QM: Exempt | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Property Valuations | FEMA | Satisfied | C | A | C | A | PRVAFEMA858 | Natural Disaster Area, no subsequent inspection (Individual & Public) | No | Missing PDI - Declaration XXXEffective XXXWild fires and Straight line winds XXX | 2/5/25 - Lender provided a copy of the post disaster inspection report reflecting no damage to the subject property. | 2/5/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 119 points above guideline minimum<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > 78 months PITI above guideline minimum |
| XXXXXX | 20250955 | XXXXXX | TX | QM: Safe Harbor | QM: Safe Harbor (APOR) | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Credit | DTI | Satisfied | D | A | D | A | CRDDTI2540 | Missing verification of some or all components of non-subject PITI | No | Missing VOM/Mortgage statement for XXX loan on property located at XXX as reflected on Final 1003. Information is not on credit report. | 2/5/25 - Lender provided 12 month payment history reflecting on time payments. | 2/5/25 - Exception satisfied. | (No Data) | Not Applicable | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO > 153 points above guideline minimum.<br>CFCFS1742: Consumer credit history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30x171.<br>CFCFS1740: Mortgage payment history exceeds guidelines<br> - Clayton Comments: Borrower has 0x30x28 |
| XXXXXX | 20251224 | XXXXXX | NV | QM: Safe Harbor | QM: Safe Harbor (APOR) | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | CFCFS1741: Credit score exceeds guidelines<br> - Clayton Comments: Median FICO 64 points above guideline minimum of 660<br>CFCFS1731: Verified cash reserves exceed guidelines<br> - Clayton Comments: Borrower has > 13 months PITIA above guideline minimum of 6 months. |

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| **Client Name:** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** | **GCAT 2025-NQM3** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** | **12/2/2024 - 2/20/2025** | **12/2/2024 - 2/20/2025** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | **50** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Conditions Report 2.0** | **Conditions Report 2.0** | **Conditions Report 2.0** | **Conditions Report 2.0** | **Conditions Report 2.0** | **Conditions Report 2.0** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans in Report:*** | *50* | *50* | *50* | *50* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| ***Loans with Conditions:*** | *11* | *11* | *11* | *11* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan Number** | **Marketing ID** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **Initial Securitization Overall Loan Grade** | **Final Securitization Overall Loan Grade** | **Initial Securitization Credit Loan Grade** | **Final Securitization Credit Loan Grade** | **Initial Securitization Property Valuations Loan Grade** | **Final Securitization Property Valuations Loan Grade** | **Initial Securitization Compliance Loan Grade** | **Final Securitization Compliance Loan Grade** | **Initial S&P Overall Loan Grade** | **Final S&P Overall Loan Grade** | **Initial S&P Credit Loan Grade** | **Final S&P Credit Loan Grade** | **Initial S&P Property Valuations Loan Grade** | **Final S&P Property Valuations Loan Grade** | **Initial S&P Compliance Loan Grade** | **Final S&P Compliance Loan Grade** | **Did Lender Acknowledge Exception at Origination** |
| XXXXXX | 20251106 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXXXX | 20251109 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXXXX | 20250854 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXXXX | 20250858 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXXXX | 20251112 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXXXX | 20250861 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXXXX | 20250864 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXXXX | 20250865 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXXXX | 20251114 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXXXX | 20250877 | Yes | XXXXXX | XXXXXX | B | A | A | A | B | A | A | A | B | A | A | A | B | A | A | A | Not Applicable |
| XXXXXX | 20250883 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXXXX | 20250884 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXXXX | 20250888 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXXXX | 20250895 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXXXX | 20250896 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXXXX | 20251117 | Yes | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Not Applicable |
| XXXXXX | 20251118 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXXXX | 20250907 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXXXX | 20250909 | Yes | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Not Applicable |
| XXXXXX | 20250911 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXXXX | 20251122 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXXXX | 20250921 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXXXX | 20250931 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXXXX | 20250938 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXXXX | 20251132 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXXXX | 20250943 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXXXX | 20250945 | Yes | XXXXXX | XXXXXX | D | B | D | B | A | A | A | A | D | B | D | B | A | A | A | A | Not Applicable |
| XXXXXX | 20251142 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXXXX | 20251144 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXXXX | 20251147 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXXXX | 20251157 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXXXX | 20251158 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| XXXXXX | 20251168 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXXXX | 20251173 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXXXX | 20251174 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXXXX | 20251179 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXXXX | 20251184 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXXXX | 20251186 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXXXX | 20251190 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXXXX | 20251199 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXXXX | 20251205 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXXXX | 20251206 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXXXX | 20251208 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |
| XXXXXX | 20251212 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| XXXXXX | 20250953 | Yes | XXXXXX | XXXXXX | C | A | C | A | A | A | A | A | C | A | C | A | A | A | A | A | Not Applicable |
| XXXXXX | 20250954 | Yes | XXXXXX | XXXXXX | D | A | A | A | A | A | D | A | D | A | A | A | A | A | D | A | Not Applicable |
| XXXXXX | 20251222 | Yes | XXXXXX | XXXXXX | C | A | C | A | C | A | A | A | C | A | C | A | C | A | A | A | Not Applicable |
| XXXXXX | 20251223 | Yes | XXXXXX | XXXXXX | C | A | A | A | C | A | A | A | C | A | A | A | C | A | A | A | Not Applicable |
| XXXXXX | 20250955 | Yes | XXXXXX | XXXXXX | D | A | D | A | A | A | A | A | D | A | D | A | A | A | A | A | Not Applicable |
| XXXXXX | 20251224 | Yes | XXXXXX | XXXXXX | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | A | Not Applicable |

---

## Exhibit 99.9

[GCAT DEPOSITOR VI LLC ABS-15G](gcatnqm-abs15g.htm)

**Exhibit 99.9**

---

| | | | | | |
|:---|:---|:---|:---|:---|:---|
| **Client Name:** | | | |  |  |
| **Client Project Name:** | GCAT 2025-NQM3 | GCAT 2025-NQM3 | GCAT 2025-NQM3 |  |  |
| **Start - End Dates:** | 12/2/2024 - 2/20/2025 | 12/2/2024 - 2/20/2025 | 12/2/2024 - 2/20/2025 |  |  |
| **Deal Loan Count:** | 50 | 50 | 50 |  |  |
| **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** | **Loan Level Tape Compare Upload** |  |  |
| *Loans in Report* | *50* | *50* | *50* |  |  |
| **Loan Number** | **Marketing ID** | **Borrower Last Name** | **Field Name** | **Tape Data** | **Reviewer Data** |
| XXXXXX | 20250858 | XXXXXX | Borrower 1 First Time Home Buyer | Yes | No |
| XXXXXX | 20250858 | XXXXXX | Borrower DSCR Percent | 1.2583 | 1.396 |
| XXXXXX | 20250888 | XXXXXX | Borrower 1 First Time Home Buyer | Yes | No |
| XXXXXX | 20250895 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| XXXXXX | 20250909 | XXXXXX | Original Appraised Value | XXXXXX | XXXXXX |
| XXXXXX | 20250911 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| XXXXXX | 20251122 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 20251132 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| XXXXXX | 20250945 | XXXXXX | Borrower 1 First Time Home Buyer | Yes | No |
| XXXXXX | 20250945 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 20251158 | XXXXXX | Borrower 1 First Time Home Buyer | Yes | No |
| XXXXXX | 20251158 | XXXXXX | Borrower 2 First Time Home Buyer | Yes | No |
| XXXXXX | 20251158 | XXXXXX | Property Type | Detached PUD | Attached PUD |
| XXXXXX | 20251186 | XXXXXX | Borrower 2 First Time Home Buyer | Yes | No |
| XXXXXX | 20251212 | XXXXXX | Borrower 1 First Time Home Buyer | Yes | No |
| XXXXXX | 20250954 | XXXXXX | Borrower 1 Total Income | 143356.00 | 161827.00 |
| XXXXXX | 20250954 | XXXXXX | Debt to Income Ratio (Back) | 19.4200 | 15.2198 |
| XXXXXX | 20251222 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 20251223 | XXXXXX | Debt to Income Ratio (Back) | 46.3800 | 43.1722 |
| XXXXXX | 20251223 | XXXXXX | Disbursement Date | XXXXXX | XXXXXX |
| XXXXXX | 20251223 | XXXXXX | Original Balance | XXXXXX | XXXXXX |
| XXXXXX | 20251223 | XXXXXX | Original P&I | XXXXXX | XXXXXX |
| XXXXXX | 20251223 | XXXXXX | Total Cash Out | XXXXXX | XXXXXX |
| XXXXXX | 20250955 | XXXXXX | Borrower 1 Total Income | 41295.70 | 41295.90 |
| XXXXXX | 20251224 | XXXXXX | Property Type | Detached PUD | Attached PUD |
|©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 99.10

[GCAT DEPOSITOR VI LLC ABS-15G](gcatnqm-abs15g.htm)

**Exhibit 99.10**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| 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 |
| **Client Name:** | | | |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** | **GCAT 2025-NQM3** | **GCAT 2025-NQM3** | **GCAT 2025-NQM3** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** | **12/2/2024 - 2/20/2025** | **12/2/2024 - 2/20/2025** | **12/2/2024 - 2/20/2025** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | **50** | **50** | **50** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **ATR QM Upload** | **ATR QM Upload** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| *Loans in Report:* | *50* | *50* | *50* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan Number** | **Deal** | **Marketing ID** | **Original Principal Balance** | **State** | **Loan Level ATR/QM Status** | **Lender Provided ATR/QM Worksheet** | **Initial Lender ATR/QM Status** | **Application Date** | **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** | **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** | **Short Sale** | **Short Sale Date** | **Deed In Lieu** | **Deed In Lieu Date** | **QRM Flag** | **Borrower 2 Guarantor Flag** | **Borrower 3 Guarantor Flag** | **Borrower 4 Guarantor Flag** | **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 Number of Months** | **Borrower 2 Written VOE Flag** | **Borrower 2 Written VOE Number of Months** | **Borrower 3 Written VOE Flag** | **Borrower 3 Written VOE Number of Months** | **Borrower 4 Written VOE Flag** | **Borrower 4 Written VOE Number of Months** | **Borrower 1 P&L Flag** | **Borrower 1 P&L Number of Months** | **Borrower 2 P&L Flag** | **Borrower 2 P&L Number of Months** | **Borrower 3 P&L Flag** | **Borrower 3 P&L Number of Months** | **Borrower 4 P&L Flag** | **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** | **Is the Loan a Short-Term Rental?** | **Equity Income Flag** | **Equity Income Amount** | **Equity Income Number of Months** | **DSCR with Rent Schedule Flag** | **DSCR with Rent Schedule Income Amount** | **DSCR with Lease Agreement Flag** | **DSCR with Lease Agreement Income Amount** | **DSCR %** | **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** |
| XXXXXX | XXXXXX | 20251106 | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 6.7500 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2597.26 | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2600.00 | No | (No Data) | 1.0011 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | XXXXXX | 20251109 | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 6.3750 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3285.93 | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2895.00 | No | (No Data) | 0.8810 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | XXXXXX | 20250854 | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 7.5000 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2205.62 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | No | (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 | No | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 0.9068 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | XXXXXX | 20250858 | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 7.6283 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1688.58 | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2300.00 | No | (No Data) | 1.3960 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | XXXXXX | 20251112 | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2579.21 | Not Applicable | (No Data) | Not Applicable | (No Data) | No | No | (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 | No | (No Data) | (No Data) | Yes | 2600.00 | No | (No Data) | 1.0081 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | XXXXXX | 20250861 | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1834.48 | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | No | (No Data) | (No Data) | Yes | 1950.00 | No | (No Data) | 1.0630 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | XXXXXX | 20250864 | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.2500 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3117.57 | No | (No Data) | No | (No Data) | No | No | (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 | No | (No Data) | (No Data) | Yes | 4200.00 | No | (No Data) | 1.3472 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | XXXXXX | 20250865 | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 8.0792 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4939.51 | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 4200.00 | No | (No Data) | 0.8503 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | XXXXXX | 20251114 | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -34998.42 | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 2955.00 | 1.1421 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | XXXXXX | 20250877 | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4807.45 | Not Applicable | (No Data) | Not Applicable | (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 | No | (No Data) | (No Data) | Yes | 4450.00 | No | (No Data) | 0.9256 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | XXXXXX | 20250883 | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 7.0000 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2346.77 | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1750.00 | No | (No Data) | 1.0504 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | XXXXXX | 20250884 | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 4 Family | 4 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6479.36 | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 8750.00 | 1.3504 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | XXXXXX | 20250888 | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 6.8750 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2437.53 | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3700.00 | No | (No Data) | 1.5178 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | XXXXXX | 20250895 | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Attached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Rate and Term Refi | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2554.34 | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2200.00 | No | (No Data) | 0.8613 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | XXXXXX | 20250896 | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 8.1250 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2962.73 | No | (No Data) | No | (No Data) | No | No | (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 | No | (No Data) | (No Data) | Yes | 2550.00 | No | (No Data) | 0.8710 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | XXXXXX | 20251117 | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2268.24 | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1700.00 | No | (No Data) | 1.7171 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | XXXXXX | 20251118 | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1785.33 | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1800.00 | No | (No Data) | 1.0082 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | XXXXXX | 20250907 | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3846.59 | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3800.00 | No | (No Data) | 1.0035 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | XXXXXX | 20250909 | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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%, 4%, of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2143.36 | No | (No Data) | No | (No Data) | No | No | (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 | No | (No Data) | (No Data) | Yes | 2700.00 | No | (No Data) | 1.2597 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | XXXXXX | 20250911 | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | 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 | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 7.0000 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1777.78 | Not Applicable | (No Data) | Not Applicable | (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 | No | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 1.1250 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | XXXXXX | 20251122 | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 6.8750 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1680.61 | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 2350.00 | 1.3983 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | XXXXXX | 20250921 | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 8.5000 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6463.65 | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (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) |
| XXXXXX | XXXXXX | 20250931 | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 6.8750 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2044.67 | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 2824.00 | 1.3812 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | XXXXXX | 20250938 | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 6.8750 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2616.34 | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2700.00 | No | (No Data) | 1.0320 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | XXXXXX | 20251132 | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | 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 | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1939.62 | Not Applicable | (No Data) | Not Applicable | (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 | No | (No Data) | (No Data) | Yes | 2000.00 | No | (No Data) | 1.0311 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | XXXXXX | 20250943 | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 7.0000 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1868.99 | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2200.00 | No | (No Data) | 1.2161 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | XXXXXX | 20250945 | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 8.7500 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4953.92 | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (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) |
| XXXXXX | XXXXXX | 20251142 | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | No | Yes | 1 | 7.5000 | No | No | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3238.14 | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3400.00 | No | (No Data) | 1.0500 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | XXXXXX | 20251144 | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | 3 Family | 3 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -5997.45 | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 9600.00 | No | (No Data) | 1.6101 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | XXXXXX | 20251147 | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 1% of amt prepd in 12 mos if amt prepd is >20% of OPB | (No Data) | No | Yes | 1 | 7.2500 | No | No | 0.8 | (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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1505.29 | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1650.00 | No | (No Data) | 1.0961 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | XXXXXX | 20251157 | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 7.5000 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2733.25 | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 3600.00 | 1.3171 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | XXXXXX | 20251158 | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | 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 | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2953.74 | No | (No Data) | No | (No Data) | No | No | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3050.00 | No | (No Data) | 1.0326 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | XXXXXX | 20251168 | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.5000 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3302.93 | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2900.00 | No | (No Data) | 1.0063 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | XXXXXX | 20251173 | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -4915.77 | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1800.00 | No | (No Data) | 1.2429 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | XXXXXX | 20251174 | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 7.5000 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -834.51 | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1300.00 | No | (No Data) | 1.5578 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | XXXXXX | 20251179 | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | SFR-Attached | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2371.98 | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1595.00 | No | (No Data) | 0.9088 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | XXXXXX | 20251184 | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.2500 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1591.55 | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 2150.00 | No | (No Data) | 1.3509 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | XXXXXX | 20251186 | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -7568.31 | No | (No Data) | No | (No Data) | No | No | (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 | No | (No Data) | (No Data) | Yes | 2550.00 | No | (No Data) | 1.0017 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | XXXXXX | 20251190 | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (No Data) | Yes | Yes | 1 | 6.8750 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1521.37 | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 1590.00 | 1.0451 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | XXXXXX | 20251199 | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | (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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1830.64 | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 1850.00 | 1.0106 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | XXXXXX | 20251205 | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | Yes | 5% of amt prepd in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.1251 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -3150.73 | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3500.00 | No | (No Data) | 1.1109 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | XXXXXX | 20251206 | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Detached PUD | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Cashout Refi | No | No | No | No | Yes | 5%, 4%, of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 6.8750 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6197.07 | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 3800.00 | No | (No Data) | 1.0098 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | XXXXXX | 20251208 | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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%, 4%, of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (No Data) | Yes | Yes | 1 | 7.0000 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -1486.76 | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | Yes | 1200.00 | No | (No Data) | 1.7076 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | XXXXXX | 20251212 | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 9.7500 | 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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -6634.96 | Not Applicable | (No Data) | Not Applicable | (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 | No | (No Data) | (No Data) | No | (No Data) | No | (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) |
| XXXXXX | XXXXXX | 20250953 | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | (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) | 0 | 0 | 0 | 0 | 0 | 0 | (No Data) | (No Data) | (No Data) | -2423.55 | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | Yes | 2100.00 | 0.8665 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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) |
| XXXXXX | XXXXXX | 20250954 | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (No Data) | Investor | Low Rise Condo (1-4) | 1 | Conventional | No | No | (No Data) | (No Data) | (No Data) | No | (No Data) | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.7501 | 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) | 0 | 15.22 | 0 | 15.22 | 15.22 | 15.22 | (No Data) | (No Data) | (No Data) | 137197.25 | No | (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) | 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 | 34 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (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 - 34 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | XXXXXX | 20251222 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Present | QM: Safe Harbor | XXXXXX | (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 | Yes | 1 | 7.6622 | No | No | 1.521 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 46.63 | 46.63 | 46.63 | 46.63 | 46.63 | 46.63 | No | No | (No Data) | 20814.36 | No | (No Data) | No | (No Data) | No | No | (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 | 27 | Yes | 25 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (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 - 27 months; | Written VOE - 25 months; | (No Data) | (No Data) |
| XXXXXX | XXXXXX | 20251223 | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | XXXXXX | (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 in 12 mos >20% of OPB | (No Data) | Yes | Yes | 1 | 7.8751 | 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) | 0 | 43.17 | 0 | 43.17 | 43.17 | 43.17 | (No Data) | (No Data) | (No Data) | 22162.86 | No | (No Data) | No | (No Data) | No | No | (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 | 28 | Yes | 25 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (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 - 28 months; | Written VOE - 25 months; | (No Data) | (No Data) |
| XXXXXX | XXXXXX | 20250955 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Present | QM: Safe Harbor | XXXXXX | (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) | No | Yes | 1 | 7.1543 | No | No | 0.353 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 45.64 | 45.64 | 45.64 | 45.64 | 45.64 | 45.64 | No | No | (No Data) | 22447.55 | No | (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) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | 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 | 23 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (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 - 23 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | XXXXXX | 20251224 | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Present | QM: Safe Harbor | XXXXXX | (No Data) | Primary | Attached PUD | 1 | Conventional | No | No | No | No | (No Data) | No | No | Purchase | No | No | No | No | No | (No Data) | (No Data) | No | Yes | 1 | 7.5718 | No | No | 1.734 | 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) | Not Applicable | (No Data) | (No Data) | (No Data) | (No Data) | 47.89 | 47.6 | 47.89 | 47.6 | 47.6 | 47.6 | No | No | (No Data) | 4454.02 | No | (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) | 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 | 25 | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | (No Data) | No | No | (No Data) | (No Data) | No | (No Data) | No | (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 - 25 months; | (No Data) | (No Data) | (No Data) |
| <br>©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. | <br>©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. | <br>©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. | <br>©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. | <br>©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. | <br>©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. | <br>©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 99.11

[GCAT DEPOSITOR VI LLC ABS-15G](gcatnqm-abs15g.htm)

**Exhibit 99.11**

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client Name:** | | | |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** | **GCAT 2025-NQM3** | **GCAT 2025-NQM3** | **GCAT 2025-NQM3** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** | **12/2/2024 - 2/20/2025** | **12/2/2024 - 2/20/2025** | **12/2/2024 - 2/20/2025** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | **50** | **50** | **50** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** | **Rating Agency ATR QM Data Fields** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| *Loans in Report:* | *50* | *50* | *50* |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Loan Number** | **Marketing ID** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **TRID Indicator** | **Lender Application Date** | **Broker Application Date** | **GSE Eligible** | **QRM Flag** | **ATR/QM Total Points and Fees** | **Rate Lock Date** | **APR** | **Bwr 1 Employment Indicator** | **Bwr 2 Employment Indicator** | **Bwr 1 Foreign National Indicator** | **Bwr 2 Foreign National Indicator** | **Borrowers Qualified Through a Non-Resident Alien Program** | **Residual Income Analysis in File** | **ATR/QM Residual Income** |
| XXXXXX | 20251106 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.75 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 20251109 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.375 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 20250854 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | Unemployed | Non-Resident Alien | Non-Resident Alien | (No Data) | (No Data) | 0 |
| XXXXXX | 20250858 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.6283 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 20251112 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | Unemployed | Non-Resident Alien | Non-Resident Alien | (No Data) | (No Data) | 0 |
| XXXXXX | 20250861 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 20250864 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 20250865 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.0792 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 20251114 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 20250877 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 20250883 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 20250884 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.0001 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 20250888 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 20250895 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 20250896 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.125 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 20251117 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.0001 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 20251118 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 20250907 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 20250909 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.625 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 20250911 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 20251122 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 20250921 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 20250931 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 20250938 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 20251132 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 20250943 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 20250945 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.75 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 20251142 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 20251144 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 20251147 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 20251157 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 20251158 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | Unemployed | Non-Resident Alien | Non-Resident Alien | (No Data) | (No Data) | 0 |
| XXXXXX | 20251168 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 20251173 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.375 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 20251174 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.5 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 20251179 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 20251184 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.25 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 20251186 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | Unemployed | U.S. Citizen | U.S. Citizen | (No Data) | (No Data) | 0 |
| XXXXXX | 20251190 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 20251199 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Unemployed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 20251205 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.1251 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 20251206 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 6.875 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 20251208 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7 | Unemployed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 20251212 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 9.75 | Unemployed | (No Data) | Non-Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 20250953 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 8.75 | Unemployed | (No Data) | Non-Permanent Resident Alien | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 20250954 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.7501 | Employed | (No Data) | U.S. Citizen | (No Data) | (No Data) | (No Data) | 0 |
| XXXXXX | 20251222 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 16152.5 | XXXXXX | 7.6622 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | No | 0 |
| XXXXXX | 20251223 | ATR/QM: Exempt | No | Yes | XXXXXX | XXXXXX | No | No | 0 | XXXXXX | 7.8751 | Employed | Employed | Non-Permanent Resident Alien | Non-Permanent Resident Alien | (No Data) | (No Data) | 0 |
| XXXXXX | 20250955 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 0 | XXXXXX | 7.1543 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| XXXXXX | 20251224 | QM: Safe Harbor (APOR) | No | Yes | XXXXXX | XXXXXX | No | Yes | 6182.19 | XXXXXX | 7.5718 | Employed | (No Data) | Permanent Resident Alien | (No Data) | (No Data) | No | 0 |
| <br>©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. | <br>©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. | <br>©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. | <br>©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. | <br>©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. | <br>©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. | <br>©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. | <br>©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 99.12

[GCAT DEPOSITOR VI LLC ABS-15G](gcatnqm-abs15g.htm)

**Exhibit 99.12**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan Number** | **Marketing ID** | **Seller Loan Number** | **Borrower 1 Last Name** | **Borrower 1 First Name** | **Borrower 2 Guarantor Flag** | **Borrower 2 Last Name** | **Borrower 2 First Name** | **Borrower 3 Guarantor Flag** | **Borrower 3 Last Name** | **Borrower 3 First Name** | **Borrower 4 Guarantor Flag** | **Borrower 4 Last Name** | **Borrower 4 First Name** | **Borrowing Entity Name** | **Borrower 2 Borrowing Entity Name** | **Address Street** | **Address Street 2** | **Address City** | **Address State** | **Address Zip** | **Loan Type** | **Product Type** | **Amortization Type** | **Note Status** | **Original Principal Balance** | **Note Date** | **First Payment Date** | **Note Rate** | **Note P&I** | **Payment Frequency** | **Maturity Date** | **Note Term** | **Amortized Term** | **Balloon** | **Balloon Term** | **Interest Only Period** | **Interest Only Term** | **Prepayment Penalty** | **Prepayment Penalty Term** | **Prepayment Penalty Type** | **Buydown** | **Buydown Period** | **Index** | **Look Back Period** | **Margin** | **Rounding Method** | **Max Rate At First Adj** | **Min Rate At First Adj** | **Rate Change Frequency** | **Payment Change Frequency** | **First Rate Change Date** | **First Payment Change Date** | **Next Rate Change Date** | **Next Pay Change Date** | **Periodic Rate Cap** | **Negative Amortization Principal Cap** | **Periodic Payment Cap Code** | **Maximum Rate** | **Minimum Rate** | **Lender Name** | **Origination Channel** | **Loan Modified** | **Reason For Modification** | **Mod Product Type** | **Modified Note Status** | **Modified Note Date** | **Note Amort Type Mod** | **Loan Amount Mod** | **Note Rate Mod** | **Note P&I Mod** | **Payment Frequency Mod** | **First Payment Date Mod** | **Maturity Date Mod** | **Loan Term Mod** | **Balloon Mod** | **Balloon Term Mod** | **Interest Only Period Mod** | **Interest Only Term Mod** | **Index Mod** | **Lookback Period Mod** | **Margin Mod** | **Rounding Method Mod** | **Max Rate At First Adj Mod** | **Min Rate At First Adj Mod** | **Rate Change Frequency Mod** | **Pay Change Frequency Mod** | **First Rate Change Date Mod** | **First Payment Change Date Mod** | **Next Rate Change Date Mod** | **Next Pay Change Date Mod** | **Periodic Rate Cap Mod** | **Negative Amortization Principal Cap Mod** | **Periodic Payment Cap Code Mod** | **Maximum Rate Mod** | **Minimum Rate Mod** | **Occupancy** | **Loan Purpose** | **Cash To Borrower At Close** | **Total Cash Out** | **Appraisal Status** | **Appraisal Form** | **Appraisal Date** | **Appraised Value** | **Sales Price** | **Value for LTV** | **Property Type** | **Number of Units** | **Year Built** | **Location** | **Occupancy Status** | **Appraisal Made** | **Site Value** | **Appraisal Review Type** | **Appraisal Review Value** | **LTV** | **CLTV** | **HCLTV** | **Mortgage Status** | **County** | **MIN Number** | **Transaction Date** | **Assumable** | **Mandatory Arbitration** | **Mortgage Insurance Required Indicator** | **Mortgage Cert in File** | **MI Paid By Borrower or Lender** | **MI Cert Number** | **MI Company** | **MI Percent of Coverage** | **MI Monthly Payment** | **Lien Position** | **Title Status** | **Other Liens** | **Other Lien Balance** | **Other Lien Payment** | **Title Doc Type** | **Title Interest Type** | **Property Tax Amount** | **Hazard Insurance Premium Amount** | **Flood Insurance Issuer** | **Flood Insurance Policy Mandatory** | **Flood Insurance Premium Amount** | **HOA Monthly Premium Amount** | **Application Status** | **Application Date** | **Number In Household** | **Relocation Loan** | **Credit Report Status** | **Credit Report Date** | **Longest Tradeline** | **Max Tradeline Amount** | **Number of Tradelines Open** | **Late Payments x30** | **Late Payments x60** | **Late Payments x90** | **Borrower 1 SSN** | **Borrower 1 Date of Birth** | **Borrower 1 Age** | **Borrower 1 Occupation** | **Borrower 1 Years On Job** | **Borrower 1 Years In Field** | **Borrower 1 Self Employed** | **Borrower 1 First Time Home Buyer** | **Borrower 1 Gender** | **Borrower 1 US Citizen** | **Borrower 1 Permanent Resident** | **Borrower 1 Non Permanent Resident** | **Borrower 1 Residency Basis Type** | **Borrower 1 Residency Duration Years** | **Borrower 1 Ethnicity** | **Borrower 1 Race** | **Borrower 1 Race 2** | **Borrower 1 Race 3** | **Borrower 1 Race 4** | **Borrower 1 Race 5** | **Borrower 1 Equifax Credit Score** | **Borrower 1 Experian Credit Score** | **Borrower 1 Transunion Credit Score** | **Borrower 1 Total Income** | **Borrower 2 SSN** | **Borrower 2 Date Of Birth** | **Borrower 2 Age** | **Borrower 2 Occupation** | **Borrower 2 Years On Job** | **Borrower 2 Years In Field** | **Borrower 2 Self Employed** | **Borrower 2 First Time Home Buyer** | **Borrower 2 Gender** | **Borrower 2 US Citizen** | **Borrower 2 Permanent Resident** | **Borrower 2 Non Permanent Resident** | **Borrower 2 Residency Basis Type** | **Borrower 2 Residency Duration Years** | **Borrower 2 Ethnicity** | **Borrower 2 Race** | **Borrower 2 Race 2** | **Borrower 2 Race 3** | **Borrower 2 Race 4** | **Borrower 2 Race 5** | **Borrower 2 Equifax Credit Score** | **Borrower 2 Experian Credit Score** | **Borrower 2 Transunion Credit Score** | **Borrower 2 Total Income** | **Current Balance** | **Current P&I** | **Representative Credit Score** | **Total Monthly Income** | **Total Remaining Gross Monthly Income** | **DTI (Front)** | **DTI (Back)** | **Total Monthly Expenses** | **Primary Residence Expense** | **Total Assets** | **Effective Amount (Assets Used)** | **Liquid Assets** | **Total Cash Required From Borrower** | **Cash Reserves** | **Months PITI Reserves** | **Months PITI Reserves (Qual Rate)** | **Qualification Method** | **Qualifying Rate** | **Qualifying P&I** | **DTI Qualifying (Front)** | **DTI Qualifying (Back)** | **Loan Doc Type** | **AUS Underwritten** | **What AUS Was Used** | **AUS Grade** | **HUD 1 Status** | **Disbursement Date** | **Good Faith Estimate Status** | **ROR Status** | **Early TIL Status** | **Corrected TIL Status** | **Final TIL Status** | **Active Material Exceptions** | **Active Non-Material Exceptions** | **Satisfied Exceptions** | **Waived Exceptions** | **Compensating Factors** | **General Comments** | **Loan Level ATR/QM Status** | **Borrower 1 Income Doc Type Summary** | **Borrower 2 Income Doc Type Summary** | **Borrower 3 Income Doc Type Summary** | **Borrower 4 Income Doc Type Summary** |
| XXXXXX | 20251106 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.7500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Retail | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Urban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 69.89 | 69.89 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 79.92 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 78 | 8100.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 802 | 811 | 793 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 325000.00 | XXXXXX | 802 | 0 | -2597.26 | 0 | 0 | 2597.26 | 0 | 140363.12 | 140363.12 | 140363.12 | XXXXXX | 17387.92 | 6.69 | 6.69 | Fully Amortized | 6.750 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 20251109 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.3750 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 63.96 | 63.96 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 55.92 | (No Data) | (No Data) | 0.00 | 45.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 223 | 18000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 799 | 803 | 777 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 350000.00 | XXXXXX | 799 | 0 | -3285.93 | 0 | 0 | 3285.93 | 0 | 194931.14 | 194931.14 | 194931.14 | XXXXXX | 20667.48 | 6.29 | 6.29 | Fully Amortized | 6.375 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 20250854 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.5000 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 60.00 | 60.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 114.62 | (No Data) | (No Data) | (No Data) | 125.00 | Present | XXXXXX | 2 | No | Not Applicable | XXXXXX | Not Applicable | Not Applicable | Not Applicable | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0 | 202854.00 | XXXXXX | Illegible | 0 | -2205.62 | 0 | 0 | 2205.62 | 0 | 127164.70 | 127164.7 | 127164.7 | XXXXXX | 13441.23 | 6.09 | 6.09 | Fully Amortized | 7.500 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| XXXXXX | 20250858 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 7/6 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | 6.8750 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | No | 0 | SOFR 30 day average | 45 | 4.000 | N 1/8 | 11.8750 | 6.875 | 6 Months | 6 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1.0000 | (No Data) | (No Data) | 11.8750 | 6.8750 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 50.61 | 50.61 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 102.75 | (No Data) | (No Data) | (No Data) | 50.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 71 | 12000.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 788 | 793 | 788 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 153707.00 | XXXXXX | 788 | 0 | -1688.58 | 0 | 0 | 1688.58 | 0 | 206772.25 | 206772.25 | 206772.25 | XXXXXX | 45926.08 | 27.87 | 25.24 | Fully Indexed, Fully Amortized | 8.500 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 20251112 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.3750 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | 67.35 | 67.35 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 129.71 | (No Data) | (No Data) | 0.00 | 62.33 | Present | XXXXXX | 3 | No | Not Applicable | XXXXXX | Not Applicable | Not Applicable | Not Applicable | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0 | 229000.00 | XXXXXX | Not Applicable | 0 | -2579.21 | 0 | 0 | 2579.21 | 0 | 161149.65 | 161149.65 | 161149.65 | XXXXXX | 32792.01 | 12.71 | 12.71 | Fully Amortized | 7.375 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| XXXXXX | 20250861 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.1250 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 62.33 | 62.33 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 107.75 | (No Data) | (No Data) | (No Data) | 164.00 | Present | XXXXXX | 1 | No | Not Applicable | XXXXXX | Not Applicable | Not Applicable | Not Applicable | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 160794.00 | XXXXXX | Not Applicable | 0 | -1834.48 | 0 | 0 | 1834.48 | 0 | 162901.11 | 162901.11 | 162901.11 | XXXXXX | 70221.26 | 38.28 | 38.28 | Fully Amortized | 7.125 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 20250864 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 44.36 | 44.36 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 53.60 | (No Data) | (No Data) | 0.00 | 360.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 199 | 28000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 756 | 788 | 799 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 755 | 792 | 749 | 0 | 279000.00 | XXXXXX | 755 | 0 | -3117.57 | 0 | 0 | 3117.57 | 0 | 381056.50 | 381056.5 | 381056.5 | XXXXXX | 35834.59 | 11.49 | 11.49 | Fully Amortized | 7.250 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| XXXXXX | 20250865 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 7/6 ARM | ARM | Present | XXXXXX | XXXXXX | XXXXXX | 7.6250 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 5%, 4%, of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | SOFR 30 day average | 45 | 4.000 | N 1/8 | 12.6250 | 1.000 | 6 Months | 6 Months | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1.0000 | (No Data) | (No Data) | 12.6250 | 7.6250 | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 68.23 | 68.23 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not for fixed period; upon credit approval for adj period | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 428.74 | (No Data) | (No Data) | 0.00 | 121.00 | Present | XXXXXX | 2 | No | Not Applicable | XXXXXX | Not Applicable | Not Applicable | Not Applicable | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 423000.00 | XXXXXX | Not Applicable | 0 | -4939.51 | 0 | 0 | 4939.51 | 0 | 388979.26 | 388979.26 | 388979.26 | XXXXXX | 181070.13 | 36.66 | 34.58 | Fully Indexed, Fully Amortized | 8.625 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 20251114 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.8750 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4 Family | 4 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 107.68 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 254 | 40000.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 704 | 661 | 725 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 225000.00 | XXXXXX | 704 | 0 | -34998.42 | 0 | 0 | 34998.42 | 2612 | 344613.48 | 344613.48 | 344613.48 | XXXXXX | 344613.48 | 133.19 | 133.19 | Fully Amortized | 7.875 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 20250877 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.7500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 38.34 | (No Data) | (No Data) | 0.00 | 1409.00 | Present | XXXXXX | 3 | No | Not Applicable | XXXXXX | Not Applicable | Not Applicable | Not Applicable | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 367500.00 | XXXXXX | Not Applicable | 0 | -4807.45 | 0 | 0 | 4807.45 | 0 | 214196.86 | 214196.86 | 214196.86 | XXXXXX | 31732.4 | 6.6 | 6.60 | Fully Amortized | 7.750 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt B | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 20250883 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.0000 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 58.42 | 58.42 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 111.29 | (No Data) | (No Data) | (No Data) | 301.62 | Present | XXXXXX | 2 | No | Present | XXXXXX | 239 | 11400.00 | 10 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 817 | 828 | 799 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 147500.00 | XXXXXX | 817 | 0 | -2346.77 | 0 | 0 | 2346.77 | 522.71 | 122595.97 | 122595.97 | 122595.97 | XXXXXX | 8555.99 | 5.14 | 5.14 | Fully Amortized | 7.000 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 20250884 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.0000 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 4 Family | 4 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 313.08 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 199 | 10000.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 746 | 750 | 747 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 760000.00 | XXXXXX | 747 | 0 | -6479.36 | 0 | 0 | 6479.36 | 0 | 345519.36 | 345519.36 | 345519.36 | XXXXXX | 148310.26 | 22.89 | 22.89 | Fully Amortized | 8.000 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 20250888 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.8750 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 5%, 4%, of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 39.53 | 39.53 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 199.17 | (No Data) | (No Data) | 0.00 | 118.75 | Present | XXXXXX | 3 | No | Present | XXXXXX | 18 | 3000.00 | 1 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 806 | 775 | 786 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 200000.00 | XXXXXX | 786 | 0 | -2437.53 | 0 | 0 | 2437.53 | 0 | 440003.96 | 440003.96 | 440003.96 | XXXXXX | 135094.19 | 55.42 | 55.42 | Fully Amortized | 6.875 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 20250895 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Attached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 59.88 | 59.88 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 61.84 | (No Data) | (No Data) | 0.00 | 200.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 10 | 2000.00 | 1 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 726 | 747 | 718 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 306000.00 | XXXXXX | 726 | 0 | -2554.34 | 0 | 0 | 2554.34 | 0 | 62881.17 | 62881.17 | 62881.17 | XXXXXX | 16519.24 | 6.47 | 6.47 | Fully Amortized | 7.250 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 20250896 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.1250 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 64.43 | 64.43 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 60.81 | (No Data) | (No Data) | (No Data) | 734.57 | Present | XXXXXX | 2 | No | Present | XXXXXX | 203 | 58244.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 765 | 751 | 753 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 812 | 767 | 819 | 0 | 240000.00 | XXXXXX | 753 | 0 | -2962.73 | 0 | 0 | 2962.73 | 0 | 204373.27 | 204373.27 | 204373.27 | XXXXXX | 70658.18 | 24.13 | 24.13 | Fully Amortized | 8.125 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| XXXXXX | 20251117 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.0000 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Urban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 80.00 | 80.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 97.58 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 87 | 9250.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 791 | 802 | 783 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 89600.00 | XXXXXX | 791 | 0 | -2268.24 | 0 | 0 | 2268.24 | 1014.2 | 171925.64 | 171925.64 | 171925.64 | XXXXXX | 146830.29 | 148.31 | 148.31 | Fully Amortized | 8.000 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D B | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 20251118 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.7500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 74.97 | 74.97 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 107.67 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 51 | 5067.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 690 | 720 | 692 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 164850.00 | XXXXXX | 692 | 0 | -1785.33 | 0 | 0 | 1785.33 | 0 | 69467.52 | 69467.52 | 69467.52 | XXXXXX | 7077.14 | 3.96 | 3.96 | Fully Amortized | 7.750 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 20250907 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.3750 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 74.09 | 74.09 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 164.87 | (No Data) | (No Data) | (No Data) | 483.33 | Present | XXXXXX | 2 | No | Present | XXXXXX | 130 | 15000.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 747 | 762 | 749 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 386000.00 | XXXXXX | 749 | 0 | -3846.59 | 0 | 0 | 3846.59 | 0 | 204766.39 | 204766.39 | 204766.39 | XXXXXX | 70841.63 | 18.71 | 18.71 | Fully Amortized | 7.375 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 20250909 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.6250 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 5%, 4%, of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 60.00 | 60.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 317.58 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 278 | 13000.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 654 | 651 | 697 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 646 | 652 | 653 | 0 | 240420.00 | XXXXXX | 652 | 0 | -2143.36 | 0 | 0 | 2143.36 | 0 | 224193.52 | 224193.52 | 224193.52 | XXXXXX | 224193.52 | 104.6 | 104.60 | Fully Amortized | 7.625 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| XXXXXX | 20250911 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.0000 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Attached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 86.72 | (No Data) | (No Data) | (No Data) | 197.00 | Present | XXXXXX | 1 | No | Not Applicable | XXXXXX | Not Applicable | Not Applicable | Not Applicable | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 181300.00 | XXXXXX | Not Applicable | 0 | -1777.78 | 0 | 0 | 1777.78 | 0 | 83085.00 | 83085 | 83085 | XXXXXX | 7284.65 | 4.1 | 4.10 | Fully Amortized | 7.000 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 20251122 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.8750 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 55.00 | 55.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 45.42 | (No Data) | (No Data) | 0.00 | 200.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 130 | 27300.00 | 16 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 743 | 684 | 717 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 187000.00 | XXXXXX | 717 | 0 | -1680.61 | 0 | 0 | 1680.61 | 0 | 181123.10 | 181123.1 | 181123.1 | XXXXXX | 181123.1 | 107.77 | 107.77 | Fully Amortized | 6.875 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 20250921 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.5000 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 61.54 | 61.54 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 100.64 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 3 | No | Present | XXXXXX | 154 | 10100.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 723 | 732 | 712 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 440000.00 | XXXXXX | 723 | 0 | -6463.65 | 0 | 0 | 6463.65 | 0 | 410066.80 | 410066.8 | 410066.8 | XXXXXX | 100390.78 | 23.74 | 23.74 | Fully Amortized | 8.500 | XXXXXX | 0 | 0 | NIVA | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | (No Data) | (No Data) | (No Data) | (No Data) |
| XXXXXX | 20250931 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.8750 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 55.88 | 55.88 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 188.38 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 149 | 40000.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 800 | 811 | 807 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 190000.00 | XXXXXX | 807 | 0 | -2044.67 | 0 | 0 | 2044.67 | 0 | 1064998.18 | 1064998.18 | 1064998.18 | XXXXXX | 910684.05 | 445.39 | 445.39 | Fully Amortized | 6.875 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 20250938 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.8750 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 62.73 | 62.73 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 77.42 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 345 | 4100.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 719 | 784 | 763 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 345000.00 | XXXXXX | 763 | 0 | -2616.34 | 0 | 0 | 2616.34 | 0 | 627833.20 | 627833.2 | 627833.2 | XXXXXX | 417638.27 | 159.63 | 159.63 | Fully Amortized | 6.875 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 20251132 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Attached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 60.00 | 60.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 113.01 | (No Data) | (No Data) | 0.00 | 170.00 | Present | XXXXXX | 3 | No | Not Applicable | XXXXXX | Not Applicable | Not Applicable | Not Applicable | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 173700.00 | XXXXXX | Not Applicable | 0 | -1939.62 | 0 | 0 | 1939.62 | 0 | 149693.21 | 149693.21 | 149693.21 | XXXXXX | 55355.1 | 28.54 | 28.54 | Fully Amortized | 7.250 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 20250943 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.0000 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 5%, 4%, of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 60.00 | 60.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 79.30 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 138 | 10000.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 787 | 772 | 768 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 225000.00 | XXXXXX | 772 | 0 | -1868.99 | 0 | 0 | 1868.99 | 0 | 186281.86 | 186281.86 | 186281.86 | XXXXXX | 24132.37 | 13.34 | 13.34 | Fully Amortized | 7.000 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 20250945 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.7500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 65.00 | 65.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 72.42 | (No Data) | (No Data) | (No Data) | 184.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 146 | 7835.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 678 | 723 | 742 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 491408.00 | XXXXXX | 723 | 0 | -4953.92 | 0 | 0 | 4953.92 | 0 | 293482.39 | 293482.39 | 293482.39 | XXXXXX | 37960.4 | 7.66 | 7.66 | Fully Amortized | 8.750 | XXXXXX | 0 | 0 | NIVA | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D B | (No Data) | (No Data) | (No Data) | (No Data) |
| XXXXXX | 20251142 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.5000 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 3% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 68.54 | 68.54 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 155.74 | (No Data) | (No Data) | 0.00 | 22.92 | Present | XXXXXX | 2 | No | Present | XXXXXX | 14 | 16000.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 701 | 705 | 692 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 305000.00 | XXXXXX | 701 | 0 | -3238.14 | 0 | 0 | 3238.14 | 0 | 304484.72 | 304484.72 | 304484.72 | XXXXXX | 164028.51 | 50.66 | 50.66 | Fully Amortized | 7.500 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 20251144 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.3750 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 3 Family | 3 | XXXXXX | Urban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 50.00 | 50.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 248.25 | (No Data) | (No Data) | 80.31 | 0.00 | Present | XXXXXX | 1 | No | Present | XXXXXX | 39 | 1000.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 664 | 668 | 652 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 645000.00 | XXXXXX | 664 | 0 | -5997.45 | 0 | 0 | 5997.45 | 0 | 1077193.02 | 1077193.02 | 1077193.02 | XXXXXX | 467941.45 | 78.48 | 78.48 | Fully Amortized | 7.375 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 20251147 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 1% of amt prepd in 12 mos if amt prepd is >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 100.17 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 101 | 11000.00 | 7 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 728 | 727 | 704 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 154500.00 | XXXXXX | 727 | 0 | -1505.29 | 0 | 0 | 1505.29 | 0 | 426965.28 | 426965.28 | 426965.28 | XXXXXX | 370264.99 | 245.98 | 245.97 | Fully Amortized | 7.250 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 20251157 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.5000 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1025 Multi-Fam (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 2 Family | 2 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 188.33 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 120 | 15800.00 | 6 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 753 | 733 | 752 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 301000.00 | XXXXXX | 752 | 0 | -2733.25 | 0 | 0 | 2733.25 | 0 | 291278.51 | 291278.51 | 291278.51 | XXXXXX | 291278.51 | 106.57 | 106.57 | Fully Amortized | 7.500 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 20251158 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Attached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 60.00 | 60.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 110.25 | (No Data) | (No Data) | (No Data) | 171.00 | Present | XXXXXX | 2 | No | Not Applicable | XXXXXX | Not Applicable | Not Applicable | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0 | 275574.00 | XXXXXX | Not Applicable | 0 | -2953.74 | 0 | 0 | 2953.74 | 0 | 122728.14 | 122728.14 | 122728.14 | XXXXXX | 14077.69 | 4.77 | 4.77 | Fully Amortized | 7.250 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) |
| XXXXXX | 20251168 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.5000 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 70.00 | 70.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 100.08 | (No Data) | (No Data) | (No Data) | 135.00 | Present | XXXXXX | 5 | No | Present | XXXXXX | 74 | 18800.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 732 | 744 | 712 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 350000.00 | XXXXXX | 732 | 0 | -3302.93 | 0 | 0 | 3302.93 | 300 | 207164.23 | 207164.23 | 207164.23 | XXXXXX | 11016 | 3.82 | 3.82 | Fully Amortized | 7.500 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 20251173 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.3750 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 5%, 4%, of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 61.22 | 61.22 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 179.17 | (No Data) | (No Data) | (No Data) | 8.33 | Present | XXXXXX | 1 | No | Present | XXXXXX | 268 | 30000.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 770 | 745 | 771 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 150000.00 | XXXXXX | 770 | 0 | -4915.77 | 0 | 0 | 4915.77 | 401.94 | 119193.78 | 119193.78 | 119193.78 | XXXXXX | 19161.62 | 13.23 | 13.23 | Fully Amortized | 7.375 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 20251174 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.5000 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 5%, 4%, of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 81.33 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 125 | 14400.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 778 | 755 | 760 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 93750.00 | XXXXXX | 760 | 0 | -834.51 | 0 | 0 | 834.51 | 0 | 65215.08 | 65215.08 | 65215.08 | XXXXXX | 28604.94 | 34.28 | 34.28 | Fully Amortized | 7.500 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 20251179 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.8750 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR-Attached | 1 | XXXXXX | Urban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 180.81 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 84 | 15000.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 805 | 800 | 803 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 154500.00 | XXXXXX | 803 | 0 | -2371.98 | 0 | 0 | 2371.98 | 592 | 113270.56 | 113270.56 | 113270.56 | XXXXXX | 53991.37 | 30.76 | 30.76 | Fully Amortized | 7.875 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 20251184 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.2500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 60.33 | 60.33 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 100.00 | (No Data) | (No Data) | 0.00 | 29.17 | Present | XXXXXX | 1 | No | Present | XXXXXX | 189 | 19500.00 | 11 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 780 | 796 | 797 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 181000.00 | XXXXXX | 796 | 0 | -1591.55 | 0 | 0 | 1591.55 | 0 | 121320.63 | 121320.63 | 121320.63 | XXXXXX | 4991.47 | 3.14 | 3.14 | Fully Amortized | 7.250 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 20251186 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.1250 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 63.72 | 63.72 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 63.42 | (No Data) | (No Data) | (No Data) | 49.17 | Present | XXXXXX | 2 | No | Present | XXXXXX | 279 | 27500.00 | 21 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 767 | 761 | 750 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 798 | 801 | 785 | 0 | 274000.00 | XXXXXX | 761 | 0 | -7568.31 | 0 | 0 | 7568.31 | 0 | 171848.84 | 171848.84 | 171848.84 | XXXXXX | 20663.64 | 8.12 | 8.12 | Fully Amortized | 7.125 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | DSCR - w/rent schedule - 0 months; | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) |
| XXXXXX | 20251190 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.8750 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 69.92 | 69.92 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 80.33 | (No Data) | (No Data) | (No Data) | 20.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 231 | 42900.00 | 13 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 734 | 777 | 745 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 165000.00 | XXXXXX | 745 | 0 | -1521.37 | 0 | 0 | 1521.37 | 0 | 149913.27 | 149913.27 | 149913.27 | XXXXXX | 149913.27 | 98.54 | 98.54 | Fully Amortized | 6.875 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 20251199 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.8750 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 36 | 5%, 4%, 3% of amt prepd in yrs 1,2,3 on amt prepd within 12 mo >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Vacant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 137.98 | (No Data) | (No Data) | 0.00 | 0.00 | Present | XXXXXX | 5 | No | Present | XXXXXX | 217 | 37800.00 | 4 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 718 | 710 | 731 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 172500.00 | XXXXXX | 718 | 0 | -1830.64 | 0 | 0 | 1830.64 | 0 | 29087.38 | 29087.38 | 29087.38 | XXXXXX | 21754.59 | 11.88 | 11.88 | Fully Amortized | 7.875 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 20251205 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.1250 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 45.65 | 45.65 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 150.56 | (No Data) | (No Data) | (No Data) | 96.67 | Present | XXXXXX | 2 | No | Present | XXXXXX | 327 | 12650.00 | 2 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 799 | 723 | 812 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 210000.00 | XXXXXX | 799 | 0 | -3150.73 | 0 | 0 | 3150.73 | 0 | 288614.38 | 288614.38 | 288614.38 | XXXXXX | 31084.72 | 9.87 | 9.87 | Fully Amortized | 7.125 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 20251206 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 6.8750 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 5%, 4%, of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 60.96 | 60.96 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 168.75 | (No Data) | (No Data) | (No Data) | 206.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 195 | 22000.00 | 10 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 766 | 734 | 770 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 420000.00 | XXXXXX | 766 | 0 | -6197.07 | 0 | 0 | 6197.07 | 0 | 398982.34 | 398982.34 | 398982.34 | XXXXXX | 398982.34 | 106.03 | 106.03 | Fully Amortized | 6.875 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 20251208 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.0000 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 24 | 5%, 4%, of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 66.67 | 66.67 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 60.17 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 3 | No | Present | XXXXXX | 141 | 21500.00 | 9 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 760 | 769 | 744 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 90000.00 | XXXXXX | 760 | 0 | -1486.76 | 0 | 0 | 1486.76 | 0 | 84240.28 | 84240.28 | 84240.28 | XXXXXX | 84240.28 | 119.87 | 119.87 | Fully Amortized | 7.000 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt | DSCR - w/rent schedule - 0 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 20251212 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 15 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 9.7500 | XXXXXX | Monthly | XXXXXX | 180 | 180 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Broker | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 60.00 | 60.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 225.33 | (No Data) | (No Data) | 0.00 | 29.17 | Present | XXXXXX | 4 | No | Not Applicable | XXXXXX | Not Applicable | Not Applicable | 0 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Not Applicable | Not Applicable | Not Applicable | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 450000.00 | XXXXXX | Not Applicable | 0 | -6634.96 | 0 | 0 | 6634.96 | 0 | 481693.49 | 481693.49 | 481693.49 | XXXXXX | 179520.89 | 27.06 | 27.06 | Fully Amortized | 9.750 | XXXXXX | 0 | 0 | No Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | (No Data) | (No Data) | (No Data) | (No Data) |
| XXXXXX | 20250953 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 8.7500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 60 | 5%, 4%, 3%, 2%, 1% of Amt PPD if Amt PPD in 12 months is > 20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 188.21 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 6 | No | Present | XXXXXX | 25 | 5000.00 | 5 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 692 | 710 | 646 | 0.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 216000.00 | XXXXXX | 692 | 0 | -2423.55 | 0 | 0 | 2423.55 | 0 | 38474.39 | 38474.39 | 38474.39 | XXXXXX | 30513.45 | 12.59 | 12.59 | Fully Amortized | 8.750 | XXXXXX | 0 | 0 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | DSCR - w/lease agreement - 0 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 20250954 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.7500 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Purchase | XXXXXX | XXXXXX | Present | 1073 Condo (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Low Rise Condo (1-4) | 1 | XXXXXX | Suburban | Vacant | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 59.42 | (No Data) | (No Data) | (No Data) | 429.50 | Present | XXXXXX | 3 | No | Present | XXXXXX | 218 | 231023.00 | 12 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 763 | 770 | 794 | 161827.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 359000.00 | XXXXXX | 770 | 161827 | 137197.25 | 4.32 | 15.22 | 24629.75 | 6986.92 | 397958.31 | 397958.31 | 397958.31 | XXXXXX | 283281.31 | 79.59 | 79.59 | Fully Amortized | 7.750 | XXXXXX | 4.32 | 15.22 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt D | Written VOE - 34 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 20251222 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.5000 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Rate and Term Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 65.76 | 65.76 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 472.39 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 52 | 8000.00 | 13 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 779 | 794 | 772 | 32000.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 798 | 806 | 781 | 7000 | 1085000.00 | XXXXXX | 779 | 39000 | 20814.36 | 25.07 | 46.63 | 18185.64 | 9777.62 | 566164.91 | 566164.91 | 566164.91 | XXXXXX | 414211.46 | 42.36 | 42.36 | Fully Amortized | 7.500 | XXXXXX | 25.07 | 46.63 | Alt Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | Present | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) C | Written VOE - 27 months; | Written VOE - 25 months; | (No Data) | (No Data) |
| XXXXXX | 20251223 | XXXXXX | XXXXXX | XXXXXX | No | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.8750 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | Yes | 12 | 5% of amt prepd in 12 mos >20% of OPB | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Investor | Cashout Refi | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | SFR | 1 | XXXXXX | Suburban | Tenant | As-Is | XXXXXX | (No Data) | XXXXXX | 65.00 | 65.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 129.39 | (No Data) | (No Data) | (No Data) | 0.00 | Present | XXXXXX | 2 | No | Present | XXXXXX | 100 | 8100.00 | 10 | 0 | 0 | 0 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 779 | 794 | 772 | 32000.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 798 | 806 | 781 | 7000 | 754000.00 | XXXXXX | 779 | 39000 | 22162.86 | 21.87 | 43.17 | 16837.14 | 8528.32 | 725966.48 | 725966.48 | 725966.48 | XXXXXX | 725966.48 | 110.43 | 110.43 | Fully Amortized | 7.875 | XXXXXX | 21.87 | 43.17 | Alt Doc | No | (No Data) | (No Data) | Present | XXXXXX | Present | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | ATR/QM: Exempt C | Written VOE - 28 months; | Written VOE - 25 months; | (No Data) | (No Data) |
| XXXXXX | 20250955 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.1250 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Detached PUD | 1 | XXXXXX | Suburban | Vacant | Subject to Completion(cert in file) | XXXXXX | (No Data) | XXXXXX | 78.00 | 78.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Commitment Title | Fee Simple | XXXXXX | 328.17 | (No Data) | (No Data) | (No Data) | 100.83 | Present | XXXXXX | 1 | No | Present | XXXXXX | 171 | 20000.00 | 3 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 773 | 766 | 775 | 41295.90 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 1096689.00 | XXXXXX | 773 | 41295.9 | 22447.55 | 25.83 | 45.64 | 18848.35 | 10664.85 | 343351.72 | 343351.72 | 343351.72 | XXXXXX | 101153.48 | 9.48 | 9.48 | Fully Amortized | 7.125 | XXXXXX | 25.83 | 45.64 | Alt Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) D | CPA Letter - 24 months;<br> P & L - 23 months; | (No Data) | (No Data) | (No Data) |
| XXXXXX | 20251224 | XXXXXX | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Conventional | 30 Yr Fixed | Fixed | Present | XXXXXX | XXXXXX | XXXXXX | 7.3750 | XXXXXX | Monthly | XXXXXX | 360 | 360 | No | (No Data) | No | (No Data) | No | (No Data) | (No Data) | No | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | Correspondent Flow without delegated underwriting | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 0 | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | Primary | Purchase | XXXXXX | XXXXXX | Present | 1004 SFR (Mar 05) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | Attached PUD | 1 | XXXXXX | Suburban | Owner | As-Is | XXXXXX | (No Data) | XXXXXX | 75.00 | 75.00 | 0 | Present | XXXXXX | XXXXXX | XXXXXX | Not Assumable | No | No | No | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | 1 | Present | No | (No Data) | (No Data) | Preliminary Title | Fee Simple | XXXXXX | 35.58 | (No Data) | (No Data) | (No Data) | 260.00 | Present | XXXXXX | 3 | No | Present | XXXXXX | 32 | 20700.00 | 1 | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 717 | 724 | 760 | 8500.00 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | (No Data) | (No Data) | (No Data) | 0 | 363750.00 | XXXXXX | 724 | 8500 | 4454.02 | 37.69 | 47.6 | 4045.98 | 3204.03 | 177658.71 | 177658.71 | 177658.71 | XXXXXX | 52634.93 | 16.43 | 16.43 | Fully Amortized | 7.375 | XXXXXX | 37.69 | 47.6 | Alt Doc | No | (No Data) | (No Data) | (No Data) | XXXXXX | (No Data) | (No Data) | (No Data) | (No Data) | (No Data) | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | QM: Safe Harbor (APOR) | Written VOE - 25 months; | (No Data) | (No Data) | (No Data) |

---

## Exhibit 99.13

[GCAT DEPOSITOR VI LLC ABS-15G](gcatnqm-abs15g.htm)

**Exhibit 99.13**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Client Name:** | | | |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Client Project Name:** | GCAT 2025-NQM3 | GCAT 2025-NQM3 | GCAT 2025-NQM3 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Start - End Dates:** | 12/2/2024 - 2/20/2025 | 12/2/2024 - 2/20/2025 | 12/2/2024 - 2/20/2025 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Deal Loan Count:** | 50 | 50 | 50 |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| **Valuations Summary** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| *Loans in Report:* | *50* |  |  |  | **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** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Second Desk Review** | **Field Review** | **Field Review** | **Field Review** | **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)** | **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)** | **Other** | **Other** | **Other** | **Other** | **Other** | **AUS Information** |
| **Loan Number** | **Marketing ID** | **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** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **AVM Vendor Name** | **AVM FSD** | **Confidence Score** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance %** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Report Value** | **Variance Amount** | **Variance (%)** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **Other - Valuation Type** | **Report Date** | **Value** | **Variance Amount** | **Variance (%)** | **CU / LCA Score** |
| XXXXXX | 20251106 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| XXXXXX | 20251109 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| XXXXXX | 20250854 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| XXXXXX | 20250858 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| XXXXXX | 20251112 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| XXXXXX | 20250861 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| XXXXXX | 20250864 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| XXXXXX | 20250865 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| XXXXXX | 20251114 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | 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% | (No Data) |
| XXXXXX | 20250877 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | 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% | 1 |
| XXXXXX | 20250883 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| XXXXXX | 20250884 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | 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% | (No Data) |
| XXXXXX | 20250888 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| XXXXXX | 20250895 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | 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% | 1 |
| XXXXXX | 20250896 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| XXXXXX | 20251117 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | 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% | (No Data) |
| XXXXXX | 20251118 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| XXXXXX | 20250907 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.9 |
| XXXXXX | 20250909 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| XXXXXX | 20250911 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| XXXXXX | 20251122 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| XXXXXX | 20250921 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| XXXXXX | 20250931 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | 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% | (No Data) |
| XXXXXX | 20250938 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | 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% | (No Data) |
| XXXXXX | 20251132 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| XXXXXX | 20250943 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | 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% | 4.2 |
| XXXXXX | 20250945 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| XXXXXX | 20251142 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| XXXXXX | 20251144 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | 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% | (No Data) |
| XXXXXX | 20251147 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| XXXXXX | 20251157 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1025 Multi-Fam (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | 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% | (No Data) |
| XXXXXX | 20251158 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| XXXXXX | 20251168 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| XXXXXX | 20251173 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| XXXXXX | 20251174 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| XXXXXX | 20251179 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| XXXXXX | 20251184 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| XXXXXX | 20251186 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  |  | $0.00 | $0.00 | 0.00% | 1.8 |
| XXXXXX | 20251190 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| XXXXXX | 20251199 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| XXXXXX | 20251205 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | 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% | 2.6 |
| XXXXXX | 20251206 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| XXXXXX | 20251208 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| XXXXXX | 20251212 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| XXXXXX | 20250953 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | 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% | 1.6 |
| XXXXXX | 20250954 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1073 Condo (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | 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% | (No Data) |
| XXXXXX | 20251222 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | XXXXXX | -6.06% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $0.00 | $0.00 | 0.00% |  | $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 |
| XXXXXX | 20251223 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | 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% | (No Data) |
| XXXXXX | 20250955 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | 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% | 1 |
| XXXXXX | 20251224 | XXXXXX | XXXXXX | XXXXXX | XXXXXX | XXXXXX | 1004 SFR (Mar 05) |  |  |  | $0.00 |  |  |  |  | $0.00 | $0.00 | 0.00% |  | 0.000 |  | XXXXXX | XXXXXX | 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% | 1 |

---

## Exhibit 99.14

[GCAT DEPOSITOR VI LLC ABS-15G](gcatnqm-abs15g.htm)

**Exhibit 99.14**

---

| | |
|:---|:---|
| **Client Name:** |  |
| **Client Project Name:** | **GCAT 2025-NQM3** |
| **Start - End Dates:** | **12/2/2024 - 2/20/2025** |
| **Deal Loan Count:** | **50** |
| **Waived Conditions Summary** | **Waived Conditions Summary** |
| <br>©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. | <br>©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 99.15

[GCAT DEPOSITOR VI LLC ABS-15G](gcatnqm-abs15g.htm)

**Exhibit 99.15**

![](ex9915001.jpg)

**EXECUTIVE SUMMARY**

**GCAT 2025-NQM3**

**By Clarifii LLC on June 3, 2025**

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

![](ex9915001.jpg)

**CLARIFII CONTACT INFORMATION** 

---

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

---

**OVERVIEW**

Clarifii LLC ("Clarifii") conducted an independent third-party pre-securitization due diligence review (the "Review") of 59 loans (the "Loans") and these loans were subsequently acquired by Blue River Mortgage VI LLC (the "Client") for the GCAT 2025-NQM3 transaction. The loans referenced in this narrative report were reviewed between 12/2024 to 03/2025 by Clarifii. This narrative report provides information about the scope of work performed by Clarifii, and the results of Clarifii's review.

**ORIGINATORS**

Origination channels for the loans in this review:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Origination Channel** | &nbsp;&nbsp;**Loan<br> Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original <br> Balance** |
| &nbsp;&nbsp;Retail | &nbsp;&nbsp;2 | &nbsp;&nbsp;3.39% | &nbsp;&nbsp;$408800.00 |
| &nbsp;&nbsp;Correspondent Flow with Delegated UW | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.69% | &nbsp;&nbsp;$2500000.00 |
| &nbsp;&nbsp;Wholesale | &nbsp;&nbsp;56 | &nbsp;&nbsp;94.92% | &nbsp;&nbsp;$14612344.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**59** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$17521144.00** |

---

The Review consisted of a population of 59 Loans, with an aggregate principal balance of $17,521,144.00.

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

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

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

**LOAN SAMPLING**

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

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

![](ex9915001.jpg)

---

| | |
|:---|:---|
| &nbsp;&nbsp;**Identity of NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;S&P Global Ratings | &nbsp;&nbsp;Global Methodology And Assumptions: Assessing Pools Of Residential Loans, January 25, 2019<br>Global Methodology And Assumptions: Assessing Pools Of Residential Loans--U.S. And Canada Supplement, Feb 21, 2025<br>|
| &nbsp;&nbsp;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;U.S. RMBS Rating Methodology, December 7, 2023 |

---

**DATA INTEGRITY**

Clarifii performed a data comparison review of the data fields provided by the 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.

---

| |
|:---|
| **Data Comparison Fields** |
| &nbsp;&nbsp;Amortization Term |
| &nbsp;&nbsp;Amount of Other Lien |
| &nbsp;&nbsp;Application Date |
| &nbsp;&nbsp;ARM Initial Fixed Rate Period |
| &nbsp;&nbsp;ARM Initial Interest Rate Cap |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Minimum |
| &nbsp;&nbsp;ARM Rate Index Type |
| &nbsp;&nbsp;ARM Subsequent Interest Rate Cap |
| &nbsp;&nbsp;ARM Subsequent Interest Rate Change Frequency |
| &nbsp;&nbsp;Assumable Flag |
| &nbsp;&nbsp;Balloon Flag |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? |
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? |
| &nbsp;&nbsp;Borrower 1 Birthdate |
| &nbsp;&nbsp;Borrower 1 Citizen |
| &nbsp;&nbsp;Borrower 1 Country Name |
| &nbsp;&nbsp;Borrower 1 Credit Report Date |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? |
| &nbsp;&nbsp;Borrower 1 Email or Internet |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino |

---

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

![](ex9915001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname |
| &nbsp;&nbsp;Borrower 1 First Name |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? |
| &nbsp;&nbsp;Borrower 1 FTHB |
| &nbsp;&nbsp;Borrower 1 Has there been ownership in a property in last 3 yrs |
| &nbsp;&nbsp;Borrower 1 How was title held? |
| &nbsp;&nbsp;Borrower 1 Last Name |
| &nbsp;&nbsp;Borrower 1 Marital Status |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 |
| &nbsp;&nbsp;Borrower 1 Origination Equifax |
| &nbsp;&nbsp;Borrower 1 Origination Experian |
| &nbsp;&nbsp;Borrower 1 Origination TransUnion |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Race - White |
| &nbsp;&nbsp;Borrower 1 Rent or Own |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information |
| &nbsp;&nbsp;Borrower 1 Sex - Male |
| &nbsp;&nbsp;Borrower 1 SSN |
| &nbsp;&nbsp;Borrower 1 Years in Current Home |
| &nbsp;&nbsp;Borrower 2 Birthdate |
| &nbsp;&nbsp;Borrower 2 First Name |
| &nbsp;&nbsp;Borrower 2 FTHB |
| &nbsp;&nbsp;Borrower 2 Last Name |
| &nbsp;&nbsp;Borrower 2 Origination Equifax |
| &nbsp;&nbsp;Borrower 2 Origination Experian |
| &nbsp;&nbsp;Borrower 2 Origination TransUnion |
| &nbsp;&nbsp;Borrower 2 SSN |
| &nbsp;&nbsp;Business Purpose Flag |
| &nbsp;&nbsp;Calculated DSCR |
| &nbsp;&nbsp;Cash Disbursement Date |
| &nbsp;&nbsp;CU Score |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator |
| &nbsp;&nbsp;First Payment Date |
| &nbsp;&nbsp;Index Rounding Factor |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment |
| &nbsp;&nbsp;Interest Only Flag |
| &nbsp;&nbsp;Interest Only Term |
| &nbsp;&nbsp;Interest Rate |
| &nbsp;&nbsp;Investor Loan ID |
| &nbsp;&nbsp;Lender Name |
| &nbsp;&nbsp;Lien Position |
| &nbsp;&nbsp;Loan Amount |
| &nbsp;&nbsp;Loan ID |

---

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

![](ex9915001.jpg)

---

| |
|:---|
| &nbsp;&nbsp;Loan Origination Company |
| &nbsp;&nbsp;Loan Origination Company NMLS |
| &nbsp;&nbsp;Loan Purpose |
| &nbsp;&nbsp;Loan Type |
| &nbsp;&nbsp;Margin |
| &nbsp;&nbsp;Maturity Date |
| &nbsp;&nbsp;MIN No |
| &nbsp;&nbsp;Mortgage Insurance Flag |
| &nbsp;&nbsp;Mortgage Origination Channel |
| &nbsp;&nbsp;Negative Amortization Flag |
| &nbsp;&nbsp;Note Date |
| &nbsp;&nbsp;Note Type |
| &nbsp;&nbsp;Number of Borrowers |
| &nbsp;&nbsp;Number of Mortgaged Properties |
| &nbsp;&nbsp;Number of Units |
| &nbsp;&nbsp;Occupancy |
| &nbsp;&nbsp;Origination BK Flag |
| &nbsp;&nbsp;Origination Foreclosure Flag |
| &nbsp;&nbsp;Prepayment Penalty |
| &nbsp;&nbsp;Prepayment Penalty Total Term |
| &nbsp;&nbsp;Primary Appraised Property Value |
| &nbsp;&nbsp;Property Address |
| &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;Property County |
| &nbsp;&nbsp;Property Rights |
| &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Property Type |
| &nbsp;&nbsp;Property Value |
| &nbsp;&nbsp;Property Zip Code |
| &nbsp;&nbsp;Qualifying CLTV |
| &nbsp;&nbsp;Qualifying FICO |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio |
| &nbsp;&nbsp;Qualifying LTV |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio |
| &nbsp;&nbsp;Refinance Type |
| &nbsp;&nbsp;REO Mortgage Times 30 |
| &nbsp;&nbsp;Sales Price |
| &nbsp;&nbsp;Seller Loan ID |
| &nbsp;&nbsp;Term |
| &nbsp;&nbsp;ULI |
| &nbsp;&nbsp;Underwriting Guideline Name |
| &nbsp;&nbsp;Underwriting Guideline Version Date |
| &nbsp;&nbsp;Verified Doc Type |

---

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

![](ex9915001.jpg)

**CREDIT UNDERWRITING**

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

● **Loan Attributes** 

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

– Assets and Reserves

– Gross Income

– Lien Position

– Loan Purpose

– Housing History

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

– Monthly Debt

– Occupancy

– Property Type

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

– Debt to Income Ratio (DTI)

– Residual Income

– Debt Service Coverage Ratio (DSCR)

● **Credit Application** 

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

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

– Borrower(s) employment history

– Citizenship and eligibility

– First time home buyer status

– The application was signed by all borrowers

– The application was substantially complete

● **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

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

![](ex9915001.jpg)

– Number of tradelines

– Credit Score(s) and Qualifying Score Methodology

● **Employment and Income** 

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

– Tax returns

– Financial statements

Paystubs

– IRS Form W-2s

– IRS Form 1099

– IRS documents

– Bank statements

– Lease agreements

– Award letters

– Other documentation in loan file

● **Fraud Review** 

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

– Borrower identity

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

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

– Occupancy

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

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

– Employment

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

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

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

OFAC

● **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

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

![](ex9915001.jpg)

– Other documentation in loan file

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

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

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

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

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

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

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

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

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

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

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

– Calculated DSCR, as required by guidelines

– Confirmed documentation requirements have been met

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

**DOCUMENT REVIEW**

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

● **Initial and Final 1003 Application** 

● **Note** 

● **Mortgage/Deed of Trust** 

● **Appraisal** 

● **Sales Contract** 

● **Title Commitment/Policy** 

● **Junior Lien/Subordination Agreement** 

● **Mortgage Insurance** 

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

● **Flood Certification** 

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

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

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

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

![](ex9915001.jpg)

**COMPLIANCE REVIEW**

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

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

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

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

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

● **Compliance Documentation Requirements** 

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

– Initial and final application (1003)

– Note, including all addendums

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

– Mortgage / Deed of Trust, including all riders

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

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

– Notice of Right to Cancel (when applicable)

– Rate Lock Date

– HOEPA Disclosures (when applicable)

– Initial Escrow Account Disclosure

● **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.

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

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

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

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

**Right of Rescission** 

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

**Qualified Mortgage and Ability to Repay**

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

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

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

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

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

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

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

**Miscellaneous Compliance Testing**

&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.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

– 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.

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

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

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

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

● **Business Purpose Loan Compliance Review** 

– Non-Owner Occupied Declaration Disclosure

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

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

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

– Review Note accuracy and properly executed

– Review Mortgage and applicable riders for accuracy and properly executed

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

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

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

– Right to Receive Copy of Appraisal or Appraisal Waiver Disclosure

– Letter of Explanation detailing the use of proceeds.

– Borrower's statement of purpose for the loan.

– State License requirements when applicable

– State Predatory lending and high cost when applicable

**QUALIFIED MORTGAGE (QM)**

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

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**ABILITY TO REPAY (ATR)**

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

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

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

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

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

**VALUATION REVIEW**

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

● **Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA)** <br> Clarifii checked for the presence of the appraiser's license and reviewed for the presence of any red flags related to the mortgaged property that may have posed a risk to the property or occupants.

● **Uniform Standards of Professional Appraisal Practice (USPAP)** <br> Clarifii confirmed the appraiser's certification is present and executed within the original appraisal.

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**INDEPENDENT THIRD-PARTY VALUES**

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

**Valuation Reconciliation Process:**

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

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

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

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

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

**VALUATION RESULTS SUMMARY**

The two tables below summarize the loans that contained independent third-party valuation product as well as loans with acceptable UCDP Risk Scores:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Valuation Product** | &nbsp;&nbsp;**# of Files – No <br> Hit** | &nbsp;&nbsp;**# of Files > -10%<br> Variance to OA or <br> Confidence < 80%** | &nbsp;&nbsp;**Number of Files <br> within -10% of OA or <br> Acceptable UCDP Risk<br> Score** |
| &nbsp;&nbsp;AVM | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;BPO | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;CU/LCA Score <=2.5 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;45 |
| &nbsp;&nbsp;Desk Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;13 |
| &nbsp;&nbsp;Field Review | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 |
| &nbsp;&nbsp;Second Full Appraisal | &nbsp;&nbsp;0 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 |

---

**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.

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**Final Event Grade**

---

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

---

**Credit Event Grade**

---

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

---

**Valuation Event Grade**

---

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

---

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**Compliance Event Grade** 

---

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

---

**CLARIFII DUE DILIGENCE RESULTS**

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

**Final Overall Loan Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**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;55 | &nbsp;&nbsp;93.22% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;6.78% |
| &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;**59** | &nbsp;&nbsp;**100.00%** |

---

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

**Final Credit Component Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** | &nbsp;&nbsp;**Credit Grade Summary** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;55 | &nbsp;&nbsp;93.22% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;4 | &nbsp;&nbsp;6.78% |
| &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;**59** | &nbsp;&nbsp;**100.00%** |

---

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**Final Property Valuation Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** | &nbsp;&nbsp;**Property Grade Summary** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;59 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**59** | &nbsp;&nbsp;**100.00%** |

---

**Final Regulatory Compliance Grade Results**

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** | &nbsp;&nbsp;**Compliance Grade Summary** |
| &nbsp;&nbsp;**Final Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Sample** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;59 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;D | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**59** | &nbsp;&nbsp;**100.00%** |

---

**ADDITIONAL LOAN SUMMARY DETAILS**

**Amortization Type**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;3 | &nbsp;&nbsp;5.08% | &nbsp;&nbsp;$1195940.00 |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;56 | &nbsp;&nbsp;94.92% | &nbsp;&nbsp;$16325204.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**59** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$17521144.00** |

---

**Occupancy**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Primary Residence | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.69% | &nbsp;&nbsp;$2500000.00 |
| &nbsp;&nbsp;Investment | &nbsp;&nbsp;58 | &nbsp;&nbsp;98.31% | &nbsp;&nbsp;$15021144.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**59** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$17521144.00** |

---

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**Loan Purpose**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Loan Purpose** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Refinance | &nbsp;&nbsp;20 | &nbsp;&nbsp;33.90% | &nbsp;&nbsp;$7817600.00 |
| &nbsp;&nbsp;Purchase | &nbsp;&nbsp;39 | &nbsp;&nbsp;66.10% | &nbsp;&nbsp;$9703544.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**59** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$17521144.00** |

---

**Lien Position**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Pool** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;1 | &nbsp;&nbsp;59 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$17521144.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**59** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$17521144.00** |

---

**Original Term**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;180 | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.69% | &nbsp;&nbsp;$648000.00 |
| &nbsp;&nbsp;360 | &nbsp;&nbsp;58 | &nbsp;&nbsp;98.31% | &nbsp;&nbsp;$16873144.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**59** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$17521144.00** |

---

**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.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Data Comparison Fields** | &nbsp;&nbsp;**Loans With <br> Discrepancy** | &nbsp;&nbsp;**Total Times <br> Compared** | &nbsp;&nbsp;**Accuracy<br> %** |
| &nbsp;&nbsp;Amortization Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;57 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Amount of Other Lien | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Application Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;56 | &nbsp;&nbsp;98.21% |
| &nbsp;&nbsp;ARM Initial Fixed Rate Period | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ARM Initial Interest Rate Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ARM Lifetime Interest Rate Minimum | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ARM Rate Index Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ARM Subsequent Interest Rate Cap | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ARM Subsequent Interest Rate Change Frequency | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Assumable Flag | &nbsp;&nbsp;1 | &nbsp;&nbsp;54 | &nbsp;&nbsp;98.15% |
| &nbsp;&nbsp;Balloon Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Any Outstanding Judgments? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |

---

GCAT 2025-NQM3 Due Diligence Narrative Report – PagE \| 19

![](ex9915001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Borrower 1 Any part of down payment borrowed? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Bankruptcy in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;56 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;56 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Country Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Credit Report Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;47 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Do you intend to occupy property as primary residence? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Email or Internet | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Employer 1 Years in Line of Work | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity - Not Hispanic or Latino | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Ethnicity Visual Observation or Surname | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;59 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Foreclosure in past 7 years? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;5 | &nbsp;&nbsp;55 | &nbsp;&nbsp;90.91% |
| &nbsp;&nbsp;Borrower 1 Has there been ownership in a property in last 3 yrs | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 How was title held? | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;59 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Marital Status | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Name of Employer1 | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Origination Equifax | &nbsp;&nbsp;0 | &nbsp;&nbsp;47 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Origination Experian | &nbsp;&nbsp;0 | &nbsp;&nbsp;47 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Origination TransUnion | &nbsp;&nbsp;0 | &nbsp;&nbsp;47 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Race - White | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Rent or Own | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Self-Employment Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - I do not wish to provide this information | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Sex - Male | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;57 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 1 Years in Current Home | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Birthdate | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 First Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 FTHB | &nbsp;&nbsp;1 | &nbsp;&nbsp;6 | &nbsp;&nbsp;83.33% |
| &nbsp;&nbsp;Borrower 2 Last Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Origination Equifax | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Origination Experian | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 Origination TransUnion | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Borrower 2 SSN | &nbsp;&nbsp;0 | &nbsp;&nbsp;6 | &nbsp;&nbsp;100.00% |

---

GCAT 2025-NQM3 Due Diligence Narrative Report – PagE \| 20

![](ex9915001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Business Purpose Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;55 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Calculated DSCR | &nbsp;&nbsp;0 | &nbsp;&nbsp;56 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;55 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;CU Score | &nbsp;&nbsp;0 | &nbsp;&nbsp;47 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;FHA Streamline/VA IRRL Indicator | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;55 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Index Rounding Factor | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Initial Monthly P&I Or IO Payment | &nbsp;&nbsp;0 | &nbsp;&nbsp;55 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;32 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Only Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;0 | &nbsp;&nbsp;57 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Investor Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;59 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lender Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;55 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;0 | &nbsp;&nbsp;56 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Amount | &nbsp;&nbsp;0 | &nbsp;&nbsp;57 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;59 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Origination Company NMLS | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Purpose | &nbsp;&nbsp;0 | &nbsp;&nbsp;57 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Loan Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Margin | &nbsp;&nbsp;0 | &nbsp;&nbsp;3 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;55 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;MIN No | &nbsp;&nbsp;0 | &nbsp;&nbsp;54 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Mortgage Insurance Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;55 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Mortgage Origination Channel | &nbsp;&nbsp;0 | &nbsp;&nbsp;54 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Negative Amortization Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;1 | &nbsp;&nbsp;55 | &nbsp;&nbsp;98.18% |
| &nbsp;&nbsp;Note Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Borrowers | &nbsp;&nbsp;0 | &nbsp;&nbsp;56 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Mortgaged Properties | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Number of Units | &nbsp;&nbsp;0 | &nbsp;&nbsp;57 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;0 | &nbsp;&nbsp;57 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Origination BK Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;52 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Origination Foreclosure Flag | &nbsp;&nbsp;0 | &nbsp;&nbsp;49 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty | &nbsp;&nbsp;0 | &nbsp;&nbsp;55 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Prepayment Penalty Total Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;51 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;56 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Address | &nbsp;&nbsp;0 | &nbsp;&nbsp;57 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property City | &nbsp;&nbsp;0 | &nbsp;&nbsp;57 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property County | &nbsp;&nbsp;0 | &nbsp;&nbsp;56 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Rights | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property State | &nbsp;&nbsp;0 | &nbsp;&nbsp;51 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Property Type | &nbsp;&nbsp;8 | &nbsp;&nbsp;56 | &nbsp;&nbsp;85.71% |
| &nbsp;&nbsp;Property Value | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |

---

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

![](ex9915001.jpg)

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Property Zip Code | &nbsp;&nbsp;0 | &nbsp;&nbsp;57 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;56 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;0 | &nbsp;&nbsp;47 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Housing Debt Income Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;55 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;0 | &nbsp;&nbsp;56 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Qualifying Total Debt Income Ratio | &nbsp;&nbsp;0 | &nbsp;&nbsp;56 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Refinance Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;REO Mortgage Times 30 | &nbsp;&nbsp;0 | &nbsp;&nbsp;36 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Sales Price | &nbsp;&nbsp;0 | &nbsp;&nbsp;39 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Seller Loan ID | &nbsp;&nbsp;0 | &nbsp;&nbsp;59 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Term | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;ULI | &nbsp;&nbsp;0 | &nbsp;&nbsp;1 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Underwriting Guideline Name | &nbsp;&nbsp;0 | &nbsp;&nbsp;55 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Underwriting Guideline Version Date | &nbsp;&nbsp;0 | &nbsp;&nbsp;55 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;Verified Doc Type | &nbsp;&nbsp;0 | &nbsp;&nbsp;54 | &nbsp;&nbsp;100.00% |

---

**CLARIFII THIRD PARTY REPORTS DELIVERED**

Clarifii furnished the following reports on this transaction:

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

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

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

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

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

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

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

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

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

**Disclaimer**

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

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

*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.*

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

![](ex9915001.jpg)

*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.

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

## Exhibit 99.16

[GCAT DEPOSITOR VI LLC ABS-15G](gcatnqm-abs15g.htm)

**Exhibit 99.16**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Lender Application Date** | **Originator QM Status** | **Final QM Status** | **Originator QM Status Difference than Final QM Status?** | **Reason Why NonQM Final Status** | **APR Pricing Threshold Exceeded?** | **QM DTI Threshold Exceeded?** | **Higher Priced Mortgage Loan (HPML)?** | **Negatively Amortizing Loan?** | **Principal Deferment?** | **Interest Only Flag?** | **Prepayment Penalty?** | **Balloon Flag?** | **Adjustable Rate Balloon?** | **Loan Term Less Than 5 Years?** | **QM Points and Fees Threshold Exceeded?** | **QM Total Points and Fees** | **APR** | **ATR: Qualifying Payment Properly Considered?** | **ATR: Current Employment/Self-Employment Verified?** | **ATR: Balloon Qualifying Payment Properly Considered?** | **ATR: Reasonable Income or Assets Considered?** | **ATR: Subject PITIA Adequately Documented?** | **ATR: All Liabilities Including Alimony and Child Support in DTI?** | **ATR: Simultaneous Loan Calculated Properly** | **ATR: Credit History was Considered Properly?** | **ATR: Did Lender Document All ATR Factors?** | **ATR: Was an ATR/QM Residual Income Analysis Provided?** | **Residual Income** | **Residual Income Meets Guidelines?** | **Borrower 1 Employment Indicator** | **Borrower 2 Employment Indicator** | **Borrower 1 Foreign National Indicator** | **Borrower 2 Foreign National Indicator** | **Business Purpose Loan?** | **Business Purpose Verified?** |
| XXXXX | 468979 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | 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 |
| XXXXX | 476847 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | 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 |
| XXXXX | 478422 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXX | 480250 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | 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 |
| XXXXX | 480801 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXX | 487370 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXX | 488653 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | 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 |
| XXXXX | 490529 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXX | 491936 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXX | 491938 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXX | 492761 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | 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 |
| XXXXX | 493338 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXX | 493339 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXX | 493341 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXX | 495180 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXX | 495181 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXX | 495182 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXX | 496066 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXX | 497057 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXX | 497058 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXX | 497801 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXX | 497802 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXX | 498798 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXX | 499525 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXX | 508216 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | 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 |
| XXXXX | 509562 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | 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 |
| XXXXX | 510632 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | 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 |
| XXXXX | 513145 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | 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 |
| XXXXX | 514293 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXX | 515006 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXX | 516996 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXX | 517133 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXX | 517135 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXX | 517136 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXX | 518099 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXX | 518100 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXX | 519191 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXX | 519192 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXX | 521422 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | 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 |  | Yes |  | Yes | Present |
| XXXXX | 521423 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXX | 521424 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXX | 522370 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXX | 522373 | XXXXX | XXXXX | 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 |
| XXXXX | 522374 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXX | 522375 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXX | 523367 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXX | 523368 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXX | 523369 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXX | 523370 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXX | 524130 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | No | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXX | 524131 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | 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 |
| XXXXX | 524132 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXX | 524133 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXX | 524134 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXX | 524135 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | 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 |
| XXXXX | 524888 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXX | 530084 | XXXXX | XXXXX | ATR/QM: Exempt | ATR/QM: Exempt | No |  |  | No |  | No | No | No | Yes | No | No | No |  |  |  | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |  |  |  |  | No |  | Yes | Present |
| XXXXX | 531299 | XXXXX | XXXXX | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | No |  | No | No | No | No | No | No | No | No | No | No | No | 7840 | 7.915 | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | 727995.56 | Yes | Employed |  | No |  | No |  |
| XXXXX | 534115 | XXXXX | XXXXX | 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 |

---

## Exhibit 99.17

[GCAT DEPOSITOR VI LLC ABS-15G](gcatnqm-abs15g.htm)

**Exhibit 99.17**

---

| | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Source** | **Verified Value** | **Bid Tape Value** | **Comment** |
| XXXX | 468979 | XXXX | XXXX | Borrower 2 FTHB | the1003Page | false | Y | Investment |
| XXXX | 468979 | XXXX | XXXX | Borrower 1 FTHB | the1003Page | false | Y | Investment purchase not considered FTHB. |
| XXXX | 476847 | XXXX | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | From appraisal report |
| XXXX | 478422 | XXXX | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | From appraisal report |
| XXXX | 480250 | XXXX | XXXX | Borrower 1 FTHB | the1003Page | false | Y | Investment Per 1003 owns other property |
| XXXX | 495182 | XXXX | XXXX | Note Date | notePage | XXXX | XXXX | Per Note |
| XXXX | 509562 | XXXX | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | per appraisal report - XXXX |
| XXXX | 510632 | XXXX | XXXX | Borrower 1 FTHB | the1003Page | false | Y | Investment purchase not considered FTHB. |
| XXXX | 514293 | XXXX | XXXX | Borrower 1 FTHB | the1003Page | false | Y | Investment loan refi |
| XXXX | 518100 | XXXX | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | per Appraisal |
| XXXX | 519192 | XXXX | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | As per appraisal, title, etc |
| XXXX | 521423 | XXXX | XXXX | Application Date | complianceDetailPage | XXXX | XXXX | Per credit report order date. |
| XXXX | 522373 | XXXX | XXXX | Assumable Flag | closingDetailsNonCompliancePage | Yes | H | Per final CD. |
| XXXX | 523367 | XXXX | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | per appraisal report |
| XXXX | 523368 | XXXX | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | per appraisal report |
| XXXX | 523370 | XXXX | XXXX | Property Type | propertyValuationPage | XXXX | XXXX | Per appraisal |
| XXXX | 524135 | XXXX | XXXX | Borrower 1 FTHB | the1003Page | false | Y | Investment purchase not considered FTHB |

---

## Exhibit 99.18

[GCAT DEPOSITOR VI LLC ABS-15G](gcatnqm-abs15g.htm)

**Exhibit 99.18**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Queue** | **Finding Code** | **Date Created** | **Date Modified** | **Finding Status** | **Event Level** | **Finding Category** | **Finding Sub Category** | **Finding Name** | **Finding Comments** | **Seller Comments** | **Resolution Comments** | **Reviewer Comp Factor** | **Originator Comp Factors** | **Finding Documents** | **Originator QM Status** | **Final Reviewed QM Status** | **Loan Amount** | **Property State** | **Occupancy** | **Loan Purpose** | **Refinance Purpose** | **Acknowledged / WaivedBy** | **Waiver in File?** | **Unique Finding ID** |
| XXXX | 468979 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 476847 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 478422 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 480250 | XXXX D B A | Closed | FCRE8013 | 2024-12-31 08:08 | 2025-05-19 10:12 | Waived | 2 - Non-Material C B | Credit | Eligibility | Purchase Contract Issue | Waived-Originator provided a waiver Purchase Contract vested in induvial name and not the LLC, applied to non material finding with reviewed comp factors. - Due Diligence Vendor-05/19/2025 <br> Ready for Review-Document Uploaded. XXXX - Uploaded exception - Seller-01/07/2025 <br> Open-Loan Purpose is Purchase but Purchase Contract is only Partially Provided. Provide updated Addendum Sales contract adding the LLC - Due Diligence Vendor-12/31/2024 | Ready for Review-Document Uploaded. 01/07 - Uploaded exception - Seller-01/07/2025<br>| Waived-Originator provided a waiver Purchase Contract vested in induvial name and not the LLC, applied to non material finding with reviewed comp factors. - Due Diligence Vendor-05/19/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR =/> 1.00 and minimum is 0.85 or Less<br>Months Reserves exceed minimum required - 64.31 months reserves exceed required 3 by 61.31 months. | DSCR =/> 1.00 and minimum is 0.85 or Less<br> 64.31 months reserves exceed required 3 by 61.31 months | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | Originator Post-Close | Yes | 3110355 |
| XXXX | 480250 | XXXX D B A | Closed | FCRE8701 | 2024-12-31 07:56 | 2025-01-08 16:48 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received Operating Agreement. 100% owner. - Due Diligence Vendor-01/08/2025 <br> Ready for Review-Document Uploaded. XXXX - Uploaded Operating Agreement - Seller-01/06/2025 <br> Open-The Business Entity Formation Document is Missing Provide LLC Operating agreement for XXXX (Borrower must own 100% of the business or additional conditions will apply). - Due Diligence Vendor-12/31/2024 | Ready for Review-Document Uploaded. 01/06 - Uploaded Operating Agreement - Seller-01/06/2025<br>| Resolved-Received Operating Agreement. 100% owner. - Due Diligence Vendor-01/08/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR =/> 1.00 and minimum is 0.85 or Less<br>Months Reserves exceed minimum required - 64.31 months reserves exceed required 3 by 61.31 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3110296 |
| XXXX | 480250 | XXXX D B A | Closed | FCRE1152 | 2024-12-31 13:00 | 2025-01-08 16:47 | Resolved | 1 - Information D A | Credit | Missing Doc | Evidence of Property Tax Missing | Resolved-Received tax calculation. - Due Diligence Vendor-01/08/2025 <br> Ready for Review-Document Uploaded. 01/06 - Uploaded rebuttal: Tax Rate XXXX x Purchase Price XXXX<br> - Seller-01/06/2025 <br> Open-Missing Evidence of Property Tax. Provide tax calculation for monthly taxes. Tax Vert in file do not support XXXX a month. - Due Diligence Vendor-12/31/2024 | Ready for Review-Document Uploaded. 01/06 - Uploaded rebuttal: Tax Rate 2.9359% x Purchase Price XXXX<br> - Seller-01/06/2025 | Resolved-Received tax calculation. - Due Diligence Vendor-01/08/2025<br>| DSCR =/> 1.00 and minimum is 0.85 or Less - DSCR =/> 1.00 and minimum is 0.85 or Less<br>Months Reserves exceed minimum required - 64.31 months reserves exceed required 3 by 61.31 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3114598 |
| XXXX | 480801 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 487370 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 488653 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 490529 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 491936 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 491938 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 492761 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 493338 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 493339 | XXXX B A | Closed | FPRO9999 | 2025-01-10 09:26 | 2025-01-17 13:24 | Waived | 2 - Non-Material B | Credit | Eligibility | Condo project has pending litigation | Waived-Based on claim type and and would be handled by insurance. Originator provided a waiver for litigation, applied to non material finding with reviewed comp factors - 771 FICO > 700 minimum required. 86.58 months reserves > 3 months minimum required - Due Diligence Vendor-01/17/2025 <br>Ready for Review-Document Uploaded. 01/15 - Please see exception uploaded. - Seller-01/15/2025 <br>Open-Condo questionnaire reflects a pending litigation against the project and total value of damages has not been determined but per attorney's letter is anticipated to be within insurance policy limits. - Due Diligence Vendor-01/10/2025 | Ready for Review-Document Uploaded. 01/15 - Please see exception uploaded. - Seller-01/15/2025<br>| Waived-Based on claim type and and would be handled by insurance. Originator provided a waiver for litigation, applied to non material finding with reviewed comp factors - 771 FICO > 700 minimum required. 86.58 months reserves > 3 months minimum required - Due Diligence Vendor-01/17/2025<br>| Months Reserves exceed minimum required - Verified assets of 86.58 months reserves exceed the minimum required of 3 months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO score of 771 is higher than the minimum required score of 700 | Price adjustment of .25 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | 3180146 |
| XXXX | 493341 | XXXX C A | Closed | FCRE8701 | 2025-01-10 12:28 | 2025-01-15 14:42 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Received Operating Agreement. - Due Diligence Vendor-01/15/2025 <br> Ready for Review-Document Uploaded. - Seller-01/14/2025 <br> Open-The Business Entity Formation Document is Missing ; Provide the LLC Operating Agreement for XXXX - Due Diligence Vendor-01/10/2025 | Ready for Review-Document Uploaded. - Seller-01/14/2025<br>| Resolved-Received Operating Agreement. - Due Diligence Vendor-01/15/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 744 is higher than the required 700<br>Months Reserves exceed minimum required - 14.38 months reserves exceed required 3 by 11.38 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3183238 |
| XXXX | 495180 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 495181 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 495182 | XXXX D A | Closed | FCRE5116 | 2025-01-14 09:53 | 2025-01-17 12:43 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Upon further review, the borrower is not a FTHB and a VOR is not required. - Due Diligence Vendor-01/17/2025 <br> Ready for Review-Please note borrower is not a first time homebuyer. - Seller-01/15/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing VOR to support XXXX monthly. Housing history must be evidenced by twelve (12) months proof of payment via institutional VOR. Private party. - Due Diligence Vendor-01/14/2025 | Ready for Review-Please note borrower is not a first time homebuyer. - Seller-01/15/2025<br>| Resolved-Upon further review, the borrower is not a FTHB and a VOR is not required. - Due Diligence Vendor-01/17/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - 660 Required Borrower has 734 fico.<br>DSCR =/> 1.00 and minimum is 0.85 or Less - .85 required Borrower has 1.18. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3200850 |
| XXXX | 496066 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 497057 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 497058 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 497801 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 497802 | XXXX C A | Closed | FCRE1160 | 2025-01-16 06:48 | 2025-01-20 11:00 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Expiration Date is before the Note Date | Resolved-Received revised HOI policy. Hazard Insurance Expiration Date of XXXX is after the Note Date of XXXX . - Due Diligence Vendor-01/20/2025 <br> Ready for Review-Document Uploaded. - Seller-01/17/2025 <br> Open-Hazard Insurance Expiration Date of XXXX is prior to or equal to the Note Date of XXXX Missing updated HOI policy as one provided is expired or has incorrect dates. - Due Diligence Vendor-01/16/2025 | Ready for Review-Document Uploaded. - Seller-01/17/2025<br>| Resolved-Received revised HOI policy. Hazard Insurance Expiration Date of XXXX is after the Note Date of XXXX . - Due Diligence Vendor-01/20/2025 | Months Reserves exceed minimum required - Verified assets of 15.08 months reserves exceed the minimum required of 3 months<br>DSCR % greater than 1.20 - Calculated DSCR of 1.288 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3217589 |
| XXXX | 498798 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 499525 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 508216 | XXXX C A | Closed | FCRE0045 | 2025-01-29 10:18 | 2025-02-06 17:05 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National but ACH form is not in file | Resolved-Receive updated Tape Data, re-reviewed to XXXX guidelines. - Due Diligence Vendor-02/06/2025 <br> Ready for Review-Document Uploaded. 02/04 - Uploaded revised data tape showing guideline dated XXXX - Seller-02/04/2025 <br> Counter-Per tape date, reviewed toXXXXe Program dated XXXX - Due Diligence Vendor-02/03/2025 <br> Ready for Review-01/30 - Please waive condition, at the time file was underwritten ACH form is not required. - Seller-01/30/2025 <br> Open-Foreign National but the ACH form is Missing from file. Missing ACH form and borrower's contact information form as required per guidelines. - Due Diligence Vendor-01/29/2025 | Ready for Review-Document Uploaded. 02/04 - Uploaded revised data tape showing guideline dated XXXX - Seller-02/04/2025 <br> Ready for Review-01/30 - Please waive condition, at the time file was underwritten ACH form is not required. - Seller-01/30/2025 | Resolved-Receive updated Tape Data, re-reviewed to XXXX guidelines. - Due Diligence Vendor-02/06/2025 | DSCR =/> 1.00 and minimum is 0.85 or Less - Calculated DSCR of 1.053 exceeds the minimum allowed of 0.85.<br>Months Reserves exceed minimum required - Verified assets of 3.39 months reserves exceed the minimum required of 3 months |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3305484 |
| XXXX | 509562 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 510632 | XXXX C A | Closed | FPRO0012 | 2025-02-03 14:22 | 2025-02-06 16:15 | Resolved | 1 - Information B A | Property | Property | FEMA disaster declared PUBLIC ONLY | Resolved-Subject is Public. Inspection was provide . Free and clear of any damage. - Due Diligence Vendor-02/06/2025 <br>Ready for Review-Document Uploaded. - Seller-02/04/2025 <br>Open- - Due Diligence Vendor-02/03/2025 | Ready for Review-Document Uploaded. - Seller-02/04/2025<br>| Resolved-Subject is Public. Inspection was provide . Free and clear of any damage. - Due Diligence Vendor-02/06/2025<br>| Long term residence - Borrower has resided in home for 18 years.<br>LTV is less than guideline maximum - Minimum LTV is 70%, subject loan is 65%. | XXXX and continuing. Declaration Date: XXXXX - PUBLIC | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3338942 |
| XXXX | 510632 | XXXX C A | Closed | FPRO0011 | 2025-02-03 14:21 | 2025-02-06 16:14 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-Received the Disaster Inspection. Subject is not effected by the XXXX- Due Diligence Vendor-02/06/2025 <br> Ready for Review-Document Uploaded. - Seller-02/04/2025 <br> Open- - Due Diligence Vendor-02/03/2025 | Ready for Review-Document Uploaded. - Seller-02/04/2025<br>| Resolved-Received the Disaster Inspection. Subject is not effected by the XXXX - Due Diligence Vendor-02/06/2025 | Long term residence - Borrower has resided in home for 18 years.<br>LTV is less than guideline maximum - Minimum LTV is 70%, subject loan is 65%. | XXXX and continuing. Declaration Date: XXXXX - INDIVIDUAL | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3338938 |
| XXXX | 513145 | XXXX C A | Closed | FCRE0045 | 2025-02-04 14:55 | 2025-02-10 11:30 | Resolved | 1 - Information C A | Credit | Eligibility | Foreign National but ACH form is not in file | Resolved-Received revised tape with actual guidelines used to qualify of XXXX. ACH form is not required for Foreign National based on XXXX guides. - Due Diligence Vendor-02/10/2025 <br> Ready for Review-Document Uploaded. Please note that application date was XXXX, and the guideline was attached on XXXX I have uploaded revised data tape with the correct guideline used.. - Seller-02/07/2025 <br> Open-Foreign National but the ACH form is Missing from file. Required per XXXX guidelines. - Due Diligence Vendor-02/04/2025 | Ready for Review-Document Uploaded. Please note that application date was XXXX, and the guideline was attached on XXXX I have uploaded revised data tape with the correct guideline used.. - Seller-02/07/2025 | Resolved-Received revised tape with actual guidelines used to qualify of XXXX. ACH form is not required for XXXX guides. - Due Diligence Vendor-02/10/2025 | LTV is less than guideline maximum - Max LTV 70% / Subject LTV 44.74%<br>Long term residence - Borrower at primary 10 years |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3348864 |
| XXXX | 514293 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 515006 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 516996 | XXXX C A | Closed | FCRE1177 | 2025-02-10 09:24 | 2025-02-21 14:38 | Resolved | 1 - Information C A | Credit | Insurance | HO6 Insurance Policy Expiration Date is before the Note Date | Resolved-Received HO-6 Insurance Policy Expiration Date of XXXX - Due Diligence Vendor-02/21/2025 <br> Ready for Review-Document Uploaded. - Seller-02/20/2025 <br> Open-HO-6 Insurance Policy Expiration Date of 0XXXX is prior to the Note Date of XXXX Provide HO-6 Policy that shows the 12 month coverage. HO-6 policy provided shows effective date and expiration date being the same XXXX - Due Diligence Vendor-02/10/2025 | Ready for Review-Document Uploaded. - Seller-02/20/2025<br>| Resolved-Received HO-6 Insurance Policy Expiration Date of XXXX - Due Diligence Vendor-02/21/2025 | Qualifying FICO score is at least 20 points above minimum for program - Mid FICO 719 is higher than the required 660.<br>Months Reserves exceed minimum required - 14.41 months reserves exceed required 6. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3384788 |
| XXXX | 517133 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | 517135 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 517136 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 518099 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 518100 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 519191 | XXXX C A | Closed | FCRE1148 | 2025-02-11 18:09 | 2025-02-18 11:09 | Resolved | 1 - Information C A | Credit | Title | Title Coverage is Less than Subject Lien(s) Total | Resolved-Received Final Title Policy. Title Coverage Amount of XXXX is sufficient. - Due Diligence Vendor-02/18/2025 <br> Ready for Review-Document Uploaded. 02/13 - Uploaded FTP - Seller-02/14/2025 <br> Open-Insufficient Title Coverage. Amount of coverage is less than Total Amount of Subject Lien(s). Insuf Title Cvg - Due Diligence Vendor-02/13/2025 | Ready for Review-Document Uploaded. 02/13 - Uploaded FTP - Seller-02/14/2025<br>| Resolved-Received Final Title Policy. Title Coverage Amount of XXXX is sufficient. - Due Diligence Vendor-02/18/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 640, qualifying score is 679<br>Months Reserves exceed minimum required - Minimum reserves are 3 months, Borrower has 18.65 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3402828 |
| XXXX | 519192 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 521422 | XXXX D A | Closed | FCOM1351 | 2025-02-14 14:05 | 2025-02-20 09:24 | Resolved | 1 - Information D A | Credit | Missing Doc | Guaranty Agreement Missing | Resolved-Upon further review, the loan file contained all required documentation and Guaranty is not required as Note executed as individual. - Due Diligence Vendor-02/20/2025 <br>Ready for Review-02/18 - Please waive. This is not required for this loan program as it has 100% ownership. This is why note must be signed by individual and mortgage will be recorded under borrower's credit report. - Seller-02/18/2025 <br>Open-The Subject Loan is a Business Purpose Loan but the Guaranty Agreement Doc is 'Missing'. Missing Guar - Due Diligence Vendor-02/14/2025 | Ready for Review-02/18 - Please waive. This is not required for this loan program as it has 100% ownership. This is why note must be signed by individual and mortgage will be recorded under borrower's credit report. - Seller-02/18/2025<br>| Resolved-Upon further review, the loan file contained all required documentation and Guaranty is not required as Note executed as individual. - Due Diligence Vendor-02/20/2025<br>| Months Reserves exceed minimum required - Minimum reserves are 3 months, Borrower has 68.02 months. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3427814 |
| XXXX | 521422 | XXXX D A | Closed | FCRE8701 | 2025-02-14 14:05 | 2025-02-20 09:24 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-Upon further review, the loan file contained all required vested business documentation and EIN is not required on XXXX Program. - Due Diligence Vendor-02/20/2025 <br> Ready for Review-Document Uploaded. 02/18 - Please note that EIN is not required by our guideline, I uploaded the operating agreement showing borrower is 100% owner - Seller-02/18/2025 <br> Open-The Business Entity Formation Document is Missing Missing EIN - Due Diligence Vendor-02/14/2025 | Ready for Review-Document Uploaded. 02/18 - Please note that EIN is not required by our guideline, I uploaded the operating agreement showing borrower is 100% owner - Seller-02/18/2025<br>| Resolved-Upon further review, the loan file contained all required vested business documentation and EIN is not required on XXXX Program. - Due Diligence Vendor-02/20/2025 | Months Reserves exceed minimum required - Minimum reserves are 3 months, Borrower has 68.02 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3427815 |
| XXXX | 521423 | XXXX C A | Closed | FCRE1159 | 2025-02-11 19:47 | 2025-02-19 14:06 | Resolved | 1 - Information C A | Credit | Insurance | Hazard Insurance Effective Date is after the Note Date | Resolved-Received updated HOI. - Due Diligence Vendor-02/19/2025 <br> Ready for Review-Document Uploaded. 02/14 - Uploaded updated HOI - Seller-02/14/2025 <br> Open-Hazard Insurance Effective Date of XXXX is after the Note Date of XXXX - Due Diligence Vendor-02/12/2025 | Ready for Review-Document Uploaded. 02/14 - Uploaded updated HOI - Seller-02/14/2025<br>| Resolved-Received updated HOI. - Due Diligence Vendor-02/19/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 700, qualifying score is 780.<br>Months Reserves exceed minimum required - Minimum reserves is 3 months, Borrower has 12.12 months. |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3403133 |
| XXXX | 521424 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 522370 | XXXX C A | Closed | FPRO0012 | 2025-02-13 16:27 | 2025-02-19 14:08 | Resolved | 1 - Information B A | Property | Property | FEMA disaster declared PUBLIC ONLY | Resolved-Upon further review, the last inspection date is post the disaster end date. - Due Diligence Vendor-02/19/2025 <br> Ready for Review-02/14: Please waive conditions since XXXX end date is XXXX, appraisal report in file was prepared on XXXX. Page 1 of appriasal report states NO ADVERSITIES NOTED UPON INSPECTION. Also, appraisal report shows no damage. - Seller-02/14/2025 <br> Open-XXXX - PUBLIC - Due Diligence Vendor-02/13/2025 | Ready for Review-02/14: Please waive conditions since XXXX, appraisal report in file was prepared on XXXX. Page 1 of appriasal report states NO ADVERSITIES NOTED UPON INSPECTION. Also, appraisal report shows no damage. - Seller-02/14/2025 | Resolved-Upon further review, the last inspection date is post the disaster end date. - Due Diligence Vendor-02/19/2025<br>| Months Reserves exceed minimum required - Minimum reserves is 3 months, borrower has 93.86 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 640, qualifying score is 805 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3420395 |
| XXXX | 522370 | XXXX C A | Closed | FPRO0011 | 2025-02-13 16:27 | 2025-02-19 14:08 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-Upon further review, the last inspection date is post the disaster end date. - Due Diligence Vendor-02/19/2025 <br> Ready for Review-02/14: Please waive conditions sinceXXXX, appraisal report in file was prepared on XXXX. Page 1 of appriasal report states NO ADVERSITIES NOTED UPON INSPECTION. Also, apprasisal report shows no damage. - Seller-02/14/2025 <br> Open-XXXX - INDIVIDUAL - Due Diligence Vendor-02/13/2025 | Ready for Review-02/14: Please waive conditions sinceXXXX, appraisal report in file was prepared on XXXX. Page 1 of appriasal report states NO ADVERSITIES NOTED UPON INSPECTION. Also, apprasisal report shows no damage. - Seller-02/14/2025 | Resolved-Upon further review, the last inspection date is post the disaster end date. - Due Diligence Vendor-02/19/2025<br>| Months Reserves exceed minimum required - Minimum reserves is 3 months, borrower has 93.86 months.<br>Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 640, qualifying score is 805 |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3420393 |
| XXXX | 522373 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| XXXX | 522374 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 522375 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 523367 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 523368 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other |  |  |  |
| XXXX | 523369 | XXXX C A | Closed | FPRO0012 | 2025-02-14 17:52 | 2025-02-20 08:48 | Resolved | 1 - Information B A | Property | Property | FEMA disaster declared PUBLIC ONLY | Resolved-Upon further review, the loan file contained all required confirmation no damage fromXXXX documentation located within appraisal pg 125. - Due Diligence Vendor-02/20/2025 <br> Ready for Review-"02/18 - Please note that the appraisal date is XXXX which is after the disaster period XXXX.<br> Also, on page 125 of the loan package showing appraiser comment: Based on a visual inspection only the subject has no damage from XXXX. " - Seller-02/18/2025 <br> Open-Florida XXXX - PUBLIC - Due Diligence Vendor-02/14/2025 | Ready for Review-"02/18 - Please note that the appraisal date is XXXX which is after the disaster period 10/5/2024 - 11/2/2024.<br> Also, on page 125 of the loan package showing appraiser comment: Based on a visual inspection only the subject has no damage from XXXX " - Seller-02/18/2025 | Resolved-Upon further review, the loan file contained all required confirmation no damage from XXXX documentation located within appraisal pg 125. - Due Diligence Vendor-02/20/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 640, qualifying score is 757.<br>Months Reserves exceed minimum required - Minimum reserves are 3 months, Borrower has 55.55 months. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3429770 |
| XXXX | 523369 | XXXX C A | Closed | FPRO0011 | 2025-02-14 17:51 | 2025-02-20 08:47 | Resolved | 1 - Information C A | Property | Property | FEMA disaster declared INDIVIDUAL | Resolved-Upon further review, the loan file contained all required confirmation no damage from XXXXdocumentation located within appraisal pg 125. - Due Diligence Vendor-02/20/2025 <br> Ready for Review-"02/18 - Please note that the appraisal date is XXXX which is after the disaster period XXXX.<br> Also, on page 125 of the loan package showing appraiser comment: Based on a visual inspection only the subject has no damage from XXXXn. "<br> - Seller-02/18/2025 <br> Open-XXXX - INDIVIDUAL<br> - Due Diligence Vendor-02/14/2025 | Ready for Review-"02/18 - Please note that the appraisal date is XXXX which is after the disaster period XXXX<br> Also, on page 125 of the loan package showing appraiser comment: Based on a visual inspection only the subject has no damage from XXXX. "<br> - Seller-02/18/2025 | Resolved-Upon further review, the loan file contained all required confirmation no damage from XXXX documentation located within appraisal pg 125. - Due Diligence Vendor-02/20/2025 | Qualifying FICO score is at least 20 points above minimum for program - Minimum FICO is 640, qualifying score is 757.<br>Months Reserves exceed minimum required - Minimum reserves are 3 months, Borrower has 55.55 months. |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3429767 |
| XXXX | 523370 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 524130 | XXXX C A | Closed | FCRE1440 | 2025-02-18 16:53 | 2025-02-24 11:23 | Resolved | 1 - Information C A | Credit | Eligibility | Housing History Does Not Meet Guideline Requirements | Resolved-Received mortgage statements - Due Diligence Vendor-02/24/2025 <br> Ready for Review-Document Uploaded. 02/20 - Uploaded mortgage statement for primary residence, please refer from page 4-9 of the uploaded document to see 12/2024. - Seller-02/21/2025 <br> Open-Housing History Does Not Meet Guideline Requirements File does not contain payment history for primary residence for 12/2024. Cannot be more than one time 30 at close. - Due Diligence Vendor-02/18/2025 | Ready for Review-Document Uploaded. 02/20 - Uploaded mortgage statement for primary residence, please refer from page 4-9 of the uploaded document to see XXXX. - Seller-02/21/2025 | Resolved-Received mortgage statements - Due Diligence Vendor-02/24/2025<br>| LTV is less than guideline maximum - Allowed LTV 70%. Loan 57.93%<br>Qualifying FICO score is at least 20 points above minimum for program - Required FICO 640 - Loan 691 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3441997 |
| XXXX | 524131 | XXXX C A | Closed | FCRE1118 | 2025-02-18 11:36 | 2025-02-26 13:49 | Resolved | 1 - Information C A | Credit | Closing | Borrower 1 Deed of Trust Signature does not match Note | Resolved-Upon further review, it appear the borrower are personally responsible for the Note and subject is vested in the LLC. - Due Diligence Vendor-02/26/2025 <br>Ready for Review-02/24 Rebuttal Comment: Please note that Vesting is under LLC, so DOT will show how it is recorded and note will show individual since mortgage will be under borrower's name and will reflect on Credit Report. - Seller-02/25/2025 <br>Counter-Per the purchase contract, the purchaser is the LLC and the borrowers signed as individuals. - Due Diligence Vendor-02/24/2025 <br>Ready for Review-Document Uploaded. - Seller-02/20/2025 <br>Open-Borrower 1 Signature does not match Note Borrower 1&2 Signature does not match Note - Note signed as individuals; Deed of Trust signed as members of business - Due Diligence Vendor-02/18/2025 | Ready for Review-02/24 Rebuttal Comment: Please note that Vesting is under LLC, so DOT will show how it is recorded and note will show individual since mortgage will be under borrower's name and will reflect on Credit Report. - Seller-02/25/2025 <br>Ready for Review-Document Uploaded. - Seller-02/20/2025<br>| Resolved-Upon further review, it appear the borrower are personally responsible for the Note and subject is vested in the LLC. - Due Diligence Vendor-02/26/2025<br>| LTV is less than guideline maximum - Max LTV 75% / Subject LTV 67.25%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660 / Borrower FICO 712 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3439342 |
| XXXX | 524131 | XXXX C A | Closed | FCRE8701 | 2025-02-19 10:50 | 2025-02-24 11:32 | Resolved | 1 - Information C A | Credit | Borrower | Business Entity Formation Document is Missing | Resolved-The Business Entity Formation Document is not Missing - Due Diligence Vendor-02/24/2025 <br>Ready for Review-Document Uploaded. - Seller-02/20/2025 <br>Open-The Business Entity Formation Document is Missing Missing EIN Docs <br> - Due Diligence Vendor-02/19/2025 | Ready for Review-Document Uploaded. - Seller-02/20/2025<br>| Resolved-The Business Entity Formation Document is not Missing - Due Diligence Vendor-02/24/2025<br>| LTV is less than guideline maximum - Max LTV 75% / Subject LTV 67.25%<br>Qualifying FICO score is at least 20 points above minimum for program - Min FICO 660 / Borrower FICO 712 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3446321 |
| XXXX | 524132 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 524133 | XXXX C A | Closed | FCRE1206 | 2025-02-19 09:32 | 2025-02-27 15:06 | Resolved | 1 - Information C A | Credit | Eligibility | All Interested Parties Not Checked with Exclusionary Lists | Resolved-Received complete Fraud Report - Due Diligence Vendor-02/27/2025 <br>Ready for Review-Document Uploaded. Please see attached updated copy. - Seller-02/24/2025 <br>Open-All Interested Parties Not Checked with Exclusionary Lists Data Verify did not note the Seller - Due Diligence Vendor-02/19/2025 | Ready for Review-Document Uploaded. Please see attached updated copy. - Seller-02/24/2025<br>| Resolved-Received complete Fraud Report - Due Diligence Vendor-02/27/2025<br>| LTV is less than guideline maximum - 45% LTV, allowed up to 80%<br>DSCR % greater than 1.20 - Required .85, borrower has 1.25 |  | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3445408 |
| XXXX | 524134 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 524135 | XXXX A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA |  |  |  |
| XXXX | 524888 | XXXX D A | Closed | FCRE5116 | 2025-02-20 16:03 | 2025-02-26 14:06 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing VOM or VOR | Resolved-Upon further review, loan file contains sufficient documentation in the loan file to support not a FTHB. - Due Diligence Vendor-02/26/2025 <br> Ready for Review-02/24 - Please refer to Section XXXX and XXXX of the Final 1003 showing properties owned by borrower. - Seller-02/25/2025 <br> Counter-Please provide documentation to support the borrower is not a FTHB. - Due Diligence Vendor-02/24/2025 <br> Ready for Review-02/20 - Kindly waive. Please note that borrower is not a FTHB. - Seller-02/21/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. 1003 reports rental of XXXX per month.Provide VOR or 12 mos cancelled ck if by a pvt landlord. 0 x 30 - Due Diligence Vendor-02/20/2025 | Ready for Review-02/24 - Please refer to Section XXXX and XXXX of the Final 1003 showing properties owned by borrower. - Seller-02/25/2025 <br> Ready for Review-02/20 - Kindly waive. Please note that borrower is not a FTHB. - Seller-02/21/2025 | Resolved-Upon further review, loan file contains sufficient documentation in the loan file to support not a FTHB. - Due Diligence Vendor-02/26/2025<br>| LTV is less than guideline maximum - 50% LTV. 80% allowed<br>DSCR % greater than 1.20 - DSCR is 1.33. .85 allowed |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Purchase | NA | N/A | N/A | 3457067 |
| XXXX | 530084 | XXXX C B A | Closed | FCRE6763 | 2025-02-25 15:12 | 2025-04-03 10:22 | Waived | 2 - Non-Material C B | Credit | Income/Employment | Income documentation does not meet guidelines | Waived-Originator provided a waiver for 1 month vs 2 months rents received, applied to non material finding with comp factors - Due Diligence Vendor-04/03/2025 <br>Ready for Review-Document Uploaded. - Seller-02/25/2025 <br>Open-1 Month Rent Received in file – per guides need 2 Months – File is missing 2nd Month Rent Received - Due Diligence Vendor-02/25/2025 | Ready for Review-Document Uploaded. - Seller-02/25/2025<br>| Waived-Originator provided a waiver for 1 month vs 2 months rents received, applied to non material finding with comp factors - Due Diligence Vendor-04/03/2025<br>| On time mortgage history exceeds guideline requirement - On Time Mortgage History = 31 Months Required = 12 months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 750 Min FICO = 700 | Long term investor; Mtg history 0x30x86; Fico 750>700 | XXXX | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3479672 |
| XXXX | 531299 | XXXX B A | Closed | FCRE1194 | 2025-02-27 11:12 | 2025-02-27 11:14 | Waived | 2 - Non-Material B | Credit | Eligibility | Audited LTV Exceeds Guideline LTV | Waived--Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-02/27/2025 <br> Open-Audited LTV of 67.57% exceeds Guideline LTV of 65% - Exception approved: Exception for over XXXX cash out and LTV over 65. - Due Diligence Vendor-02/27/2025 |  | Waived--Originator exception granted and in file, waiver applied with comp factors. - Due Diligence Vendor-02/27/2025<br>| Qualifying FICO score is at least 20 points above minimum for program - FICO score of 705 is 20+ above above 660 minimum<br>LTV is less than guideline maximum - 67.5% LTV is below 80% maximum | -DTI 2.703/3.10.<br> - FICO 20 points or more above requirement<br> - Residual Income $3K or more<br> - Long Term Employment (>5 years)<br> - Long Term Homeownership (>5 years) |  | QM: Safe Harbor APOR (APOR SH) | QM: Safe Harbor APOR (APOR SH) | XXXX | XX | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | Yes | 3492675 |
| XXXX | 534115 | XXXX D A | Closed | FCRE8257 | 2025-02-28 10:45 | 2025-03-03 17:45 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Prepayment Rider-Credit | Resolved-The loan file contains a prepayment rider to the Note. - Due Diligence Vendor-03/03/2025 <br>Open- - Due Diligence Vendor-02/28/2025 |  | Resolved-The loan file contains a prepayment rider to the Note. - Due Diligence Vendor-03/03/2025<br>| On time mortgage history exceeds guideline requirement - On Time Mortgage History = 43 Months Required = 12 months<br>Qualifying FICO score is at least 20 points above minimum for program - FICO = 764 Min FICO = 700<br>Months Reserves exceed minimum required - 131 mos; 6 mos required |  |  | ATR/QM: Exempt | ATR/QM: Exempt | XXXX | XX | Investment | Refinance | Cash Out - Other | N/A | N/A | 3501776 |

---

## Exhibit 99.19

[GCAT DEPOSITOR VI LLC ABS-15G](gcatnqm-abs15g.htm)

**Exhibit 99.19**

---

| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Original Loan Amount** |
| XXXX | 468979 | XXXX | XXXX A |
| XXXX | 476847 | XXXX | XXXX A |
| XXXX | 478422 | XXXX | XXXX A |
| XXXX | 480250 | XXXX | XXXX D A B |
| XXXX | 480801 | XXXX | XXXX A |
| XXXX | 487370 | XXXX | XXXX A |
| XXXX | 488653 | XXXX | XXXX A |
| XXXX | 490529 | XXXX | XXXX A |
| XXXX | 491936 | XXXX | XXXX A |
| XXXX | 491938 | XXXX | XXXX A |
| XXXX | 492761 | XXXX | XXXX A |
| XXXX | 493338 | XXXX | XXXX A |
| XXXX | 493339 | XXXX | XXXX B A |
| XXXX | 493341 | XXXX | XXXX C A |
| XXXX | 495180 | XXXX | XXXX A |
| XXXX | 495181 | XXXX | XXXX A |
| XXXX | 495182 | XXXX | XXXX D A |
| XXXX | 496066 | XXXX | XXXX A |
| XXXX | 497057 | XXXX | XXXX A |
| XXXX | 497058 | XXXX | XXXX A |
| XXXX | 497801 | XXXX | XXXX A |
| XXXX | 497802 | XXXX | XXXX C A |
| XXXX | 498798 | XXXX | XXXX A |
| XXXX | 499525 | XXXX | XXXX A |
| XXXX | 508216 | XXXX | XXXX C A |
| XXXX | 509562 | XXXX | XXXX A |
| XXXX | 510632 | XXXX | XXXX A C |
| XXXX | 513145 | XXXX | XXXX C A |
| XXXX | 514293 | XXXX | XXXX A |
| XXXX | 515006 | XXXX | XXXX A |
| XXXX | 516996 | XXXX | XXXX C A |
| XXXX | 517133 | XXXX | XXXX A |
| XXXX | 517135 | XXXX | XXXX A |
| XXXX | 517136 | XXXX | XXXX A |
| XXXX | 518099 | XXXX | XXXX A |
| XXXX | 518100 | XXXX | XXXX A |
| XXXX | 519191 | XXXX | XXXX C A |
| XXXX | 519192 | XXXX | XXXX A |
| XXXX | 521422 | XXXX | XXXX D A |
| XXXX | 521423 | XXXX | XXXX C A |
| XXXX | 521424 | XXXX | XXXX A |
| XXXX | 522370 | XXXX | XXXX A C |
| XXXX | 522373 | XXXX | XXXX A |
| XXXX | 522374 | XXXX | XXXX A |
| XXXX | 522375 | XXXX | XXXX A |
| XXXX | 523367 | XXXX | XXXX A |
| XXXX | 523368 | XXXX | XXXX A |
| XXXX | 523369 | XXXX | XXXX A C |
| XXXX | 523370 | XXXX | XXXX A |
| XXXX | 524130 | XXXX | XXXX C A |
| XXXX | 524131 | XXXX | XXXX C A |
| XXXX | 524132 | XXXX | XXXX A |
| XXXX | 524133 | XXXX | XXXX C A |
| XXXX | 524134 | XXXX | XXXX A |
| XXXX | 524135 | XXXX | XXXX A |
| XXXX | 524888 | XXXX | XXXX D A |
| XXXX | 530084 | XXXX | XXXX C A B |
| XXXX | 531299 | XXXX | XXXX B A |
| XXXX | 534115 | XXXX | XXXX D A |

---

## Exhibit 99.20

[GCAT DEPOSITOR VI LLC ABS-15G](gcatnqm-abs15g.htm)

**Exhibit 99.20**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| XXXX | 468979 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 476847 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX |
| XXXX | 478422 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.8 | XXXX |
| XXXX | 480250 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 480801 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 48.8 | 48.8 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1.8 | XXXX |
| XXXX | 487370 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX |
| XXXX | 488653 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 59.1 | 59.1 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.3 | XXXX |
| XXXX | 490529 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXXX | Not Eligible | 1.2 | XXXX |
| XXXX | 491936 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 491938 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 62.74 | 62.74 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | XXXX | Not Eligible |  | XXXX |
| XXXX | 492761 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX | Not Eligible | 1.6 | XXXX |
| XXXX | 493338 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | XXXX |
| XXXX | 493339 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible |  | XXXX |
| XXXX | 493341 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.5 | XXXX |
| XXXX | 495180 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 56.6 | 56.6 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 4.2 | XXXX |
| XXXX | 495181 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 495182 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 496066 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | XXXX |
| XXXX | 497057 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60.25 | 60.25 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 497058 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 497801 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 35.25 | 35.25 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 2.9 | XXXX |
| XXXX | 497802 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 45.78 | 45.78 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | 498798 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 67.83 | 67.83 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX |
| XXXX | 499525 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 59.7 | 59.7 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 508216 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 509562 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 510632 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 513145 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 44.74 | 44.74 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 514293 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 51.36 | 51.36 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 515006 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 73.03 | 73.03 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | XXXX | Eligible | 1 | XXXX |
| XXXX | 516996 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | XXXX |
| XXXX | 517133 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 517135 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 517136 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 46.08 | 46.08 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.2 | XXXX |
| XXXX | 518099 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 518100 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 71.92 | 71.92 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 519191 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.7 | XXXX |
| XXXX | 519192 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 521422 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1.8 | XXXX |
| XXXX | 521423 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1.2 | XXXX |
| XXXX | 521424 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 522370 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60.31 | 60.31 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 1.3 | XXXX |
| XXXX | 522373 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 65.0 | 65.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 522374 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 45.0 | 45.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | XXXX | Eligible | 1 | XXXX |
| XXXX | 522375 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 80.0 | 80.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Low | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 523367 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 523368 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 523369 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1073 Individual Condo Report | XXXX | 31.91 | 31.91 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |
| XXXX | 523370 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | XXXX | Eligible | 3.8 | XXXX |
| XXXX | 524130 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 57.93 | 57.93 | XXXX | XXXX | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 2.2 | XXXX |
| XXXX | 524131 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 67.25 | 67.25 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 524132 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 524133 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 44.75 | 44.75 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 524134 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1025 Small Residential Income Report | XXXX | 70.0 | 70.0 | XXXX | XXXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX | XXXX | .0000 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 524135 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 60.0 | 60.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 524888 | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 49.94 | 49.94 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 530084 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 75.0 | 75.0 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX |
| XXXX | 531299 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 67.57 | 67.57 | XXXX | XXXX | .0135 | 1004 URAR |  |  |  |  | XXXX | XXXX | .0135 | XXXX | XXXX |  |  |  |  |  |  |  |  | XXXX | XXXX | -.0541 | XXXX | Moderate | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXXX |
| XXXX | 534115 | XXXX | XXXX | XXXX |  | XXXX | XXXX | XXXX | 1004 URAR | XXXX | 74.66 | 74.66 | XXXX | XXXX | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | XXXX | Eligible | 1 | XXXX |

---

## Exhibit 99.21

[GCAT DEPOSITOR VI LLC ABS-15G](gcatnqm-abs15g.htm)

**Exhibit 99.21**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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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 | 68 | 69 | 70 | 71 | 72 | 73 | 74 | 75 | 76 | 77 | 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 | 107 | 108 | 109 | 111 | 112 | 113 | 114 | 115 | 116 | 117 | 118 | 119 | 120 | 121 | 122 | 123 | 124 | 125 | 126 | 127 | 128 | 129 | 130 | 131 | 132 | 133 | 134 | 135 | 136 | 137 | 138 | 139 | 140 | 141 | 142 | 143 | 144 | 145 | 146 | 147 | 148 | 149 | 150 | 151 | 152 | 153 | 154 | 155 | 156 | 157 | 158 | 159 | 160 | 161 | 162 | 163 | 164 | 165 | 166 | 167 | 168 | 169 | 170 | 171 | 172 | 173 | 174 | 175 | 176 | 177 | 178 | 179 | 180 | 181 | 182 | 183 | 184 | 185 | 186 | 187 | 188 | 189 | 190 | 191 | 192 | 193 | 194 | 195 | 196 | 197 | 198 | 199 | 200 | 201 | 202 | 203 | 204 | 205 | 206 | 207 | 208 | 209 | 210 | 211 | 212 | 213 | 214 | 215 | 216 | 217 | 218 | 219 | 220 | 221 | 222 | 223 | 224 | 225 | 226 | 227 | 228 | 229 | 230 | 231 | 232 | 233 | 234 | 235 | 236 | 237 | 238 | 239 | 240 | 241 | 242 | 243 | 244 | 245 | 246 | 247 | 248 | 249 | 250 | 251 | 252 | 253 | 254 | 255 | 256 | 257 | 258 | 259 | 260 | 261 | 262 | 263 | 264 |
| **Loan ID** | **Redaction ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Default Interest Rate** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Questionnaire Flag** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Co Borrower 2 FICO** | **Most Recent Co Borrower 3 FICO** | **Updated Credit Report Flag** | **Updated Credit Report Date** | **Updated FICO Method** | **Primary Wage Earner Updated FICO Equifax** | **Primary Wage Earner Updated FICO Experian** | **Primary Wage Earner Updated FICO Transunion** | **Secondary Wage Earner Updated FICO Equifax** | **Secondary Wage Earner Updated FICO Experian** | **Secondary Wage Earner Updated FICO Transunion** | **Third Wage Earner Updated FICO Equifax** | **Third Wage Earner Updated FICO Experian** | **Third Wage Earner Updated FICO Transunion** | **Fourth Wage Earner Updated FICO Equifax** | **Fourth Wage Earner Updated FICO Experian** | **Fourth Wage Earner Updated FICO Transunion** | **Updated Primary Borrower FICO** | **Updated Co Borrower FICO** | **Updated Co Borrower 2 FICO** | **Updated Co Borrower 3 FICO** | **Updated Qualifying FICO** | **Most Recent Bankruptcy Type** | **Most Recent Bankruptcy Filing Date** | **Most Recent Bankruptcy Discharge Date** | **Number of Bankruptcy Events** | **Months Bankruptcy 7 11** | **Months Bankruptcy 13** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Months Foreclosure** | **Prior Mortgage/Rent Lates 30d in 0-12m** | **Prior Mortgage/Rent Lates 60d in 0-12m** | **Prior Mortgage/Rent Lates 90d in 0-12m** | **Prior Mortgage/Rent Lates 120d+ in 0-12m** | **Prior Mortgage/Rent Lates 30d in 13-24m** | **Prior Mortgage/Rent Lates 60d in 13-24m** | **Prior Mortgage/Rent Lates 90d in 13-24m** | **Prior Mortgage/Rent Lates 120d+ in 13-24m** | **Prior Mortgage/Rent Late 30d in 24m** | **Prior Mortgage/Rent Late 60d in 24m** | **Prior Mortgage/Rent Late 90d in 24m** | **Has ACH** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Subordinate Lien Max Draw Amount (HELOC)** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Leasehold Lease Expiration Date** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves (ASF)** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** | **E-Note Flag** | **O&E in lieu of Title Insurance** | **Business Purpose Flag** | **Borrower Note Executed As** | **Co Borrower Note Executed As** | **Co Borrower 2 Note Executed As** | **Co Borrower 3 Note Executed As** | **Borrower 1 Trust Name** | **Borrower 2 Trust Name** | **Borrower 3 Trust Name** | **Borrower 4 Trust Name** |
| XXXX | 468979 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/15/2024 | 29 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.375% |  | $1630.30 | No |  | $9502.08 | $791.84 | $1314.96 | $109.58 | $683.04 | $56.92 | $0.00 | $2588.64 |  | N/A | XXXX | XXXX | $56.92 | 12/09/2024 | Annually | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 0.908 | 0.908 |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Foreign National | Foreign National |  | Passport |  | XX | XXXX | XXXX | XXXX | XXXX | Work Visa |  | XXXX | Foreign National | Foreign National |  | Passport |  | XXXX | XXXX | XXXX | XXXX | XXXX | Work Visa |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 18139.85 | 7 | 18139.85 | 7 | No | 65 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 476847 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/15/2024 | 29 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.875% |  | $1694.88 | No |  | $6520.92 | $543.41 | $1044.48 | $87.04 | $4092.00 | $341.00 | $0.00 | $2666.33 |  | N/A | XXXX | XXXX | $341.00 | 02/01/2025 | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 0.881 | 0.881 |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Foreign National | Foreign National |  | N/A |  | XX | XXXX | XXXX |  |  | Work Visa |  | XXXX | Foreign National | Foreign National |  | Passport |  | XXXX | XXXX | XXXX | XXXX | XXXX | Work Visa |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 26718.87 | 10 | 26718.87 | 10 | No | 60 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 478422 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/15/2024 | 29 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.125% |  | $2101.60 | No |  | $7987.08 | $665.59 | $918.72 | $76.56 | $4200.00 | $350.00 | $0.00 | $3193.75 |  | N/A | XXXX | XXXX | $350.00 | 02/01/2025 | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 0.877 | 0.877 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 12/16/2024 | 12/16/2024 |  |  |  | 702 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 21211.08 | 6.6 | 21211.08 | 6.6 | No | 60 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 480250 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/15/2024 | 29 | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.000% |  | $1275.14 | No |  | $8657.04 | $721.42 | $1837.68 | $153.14 | $795.00 | $66.25 | $0.00 | $2215.95 |  | N/A | XXXX | XXXX | $66.25 | 01/19/2025 | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.011 | 1.011 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | Foreign National | Foreign National |  | Passport |  | XX | XXXX | XXXX | XXXX | XXXX | Work Visa |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 142501.26 | 64.3 | 142501.26 | 64.3 | No | 65 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 480801 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/15/2024 | 29 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.125% |  | $2331.07 | No |  | $3496.56 | $291.38 | $1446.00 | $120.50 | $0.00 | $0.00 | $0.00 | $2742.95 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.151 | 1.151 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 10/23/2024 | 10/23/2024 |  |  |  | 795 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 339401.40 | 123.7 | No | 48.8 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 487370 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/15/2024 | 29 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.750% |  | $2428.64 | No |  | $6474.24 | $539.52 | $5124.00 | $427.00 | $2160.00 | $180.00 | $0.00 | $3575.16 |  | N/A | XXXX | XXXX | $180.00 | 01/27/2025 | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.007 | 1.007 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 11/25/2024 | 11/25/2024 |  |  |  | 651 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 12101.21 | 3.4 | 12101.21 | 3.4 | No | 60 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 488653 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/15/2024 | 29 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.500% |  | $1384.44 | No |  | $2475.24 | $206.27 | $813.00 | $67.75 | $660.00 | $55.00 | $0.00 | $1713.46 |  | N/A | XXXX | XXXX | $55.00 | 01/01/2025 | Monthly | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.167 | 1.167 |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | 12/04/2024 | 12/04/2024 | 12/04/2024 |  |  | 646 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 187731.35 | 109.6 | No | 59.1 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 490529 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/15/2024 | 29 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.750% |  | $1180.45 | No |  | $3832.32 | $319.36 | $387.00 | $32.25 | $4004.16 | $333.68 | $0.00 | $1865.74 |  | Yes | XXXX | XXXX | $333.68 | 02/01/2025 | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.34 | 1.34 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 09/11/2024 | 09/11/2024 |  |  |  | 794 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 166947.13 | 89.5 | No | 65 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 491936 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/15/2024 | 29 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.000% |  | $3446.27 | No |  | $3427.80 | $285.65 | $909.00 | $75.75 | $12324.00 | $1027.00 | $0.00 | $4834.67 |  | Yes | XXXX | XXXX | $1027.00 | 02/03/2025 | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.241 | 1.241 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 11/15/2024 | 11/15/2024 |  |  |  | 803 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 927672.31 | 191.9 | 927672.31 | 191.9 | No | 70 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 491938 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/15/2024 | 29 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.000% |  | $4424.26 | No |  | $11820.96 | $985.08 | $1880.28 | $156.69 | $6624.00 | $552.00 | $0.00 | $6118.03 |  | N/A | XXXX | XXXX | $552.00 |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.144 | 1.144 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 12/04/2024 | 12/04/2024 |  |  |  | 800 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Resident Alien |  | N/A |  | XX | XXXX |  |  |  | I-151 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 19061.35 | 3.1 | 19061.35 | 3.1 | No | 62.74 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 492761 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/15/2024 | 29 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.500% |  | $1216.63 | No |  | $6356.04 | $529.67 | $1061.04 | $88.42 | $0.00 | $0.00 | $0.00 | $1834.72 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.063 | 1.063 |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | 11/15/2024 | 11/15/2024 | 11/15/2024 |  |  | 790 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 158385.15 | 86.3 | 158385.15 | 86.3 | No | 60 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 493338 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/15/2024 | 29 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.625% |  | $1476.46 | No |  | $4633.20 | $386.10 | $1421.04 | $118.42 | $0.00 | $0.00 | $0.00 | $1980.98 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.514 | 1.514 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 10/11/2024 | 10/11/2024 |  |  |  | 680 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 178843.03 | 90.3 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 493339 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/15/2024 | 29 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.375% |  | $1067.09 | No |  | $4049.40 | $337.45 | $414.96 | $34.58 | $2826.84 | $235.57 | $0.00 | $1674.69 |  | Yes | XXXX | XXXX | $235.57 | 02/01/2025 | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.135 | 1.135 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 11/18/2024 | 11/18/2024 |  |  |  | 771 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 145002.51 | 86.6 | No | 75 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 493341 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/15/2024 | 29 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  | Manual Underwriting | Manual Underwriting | No |  |  | 8.875% | 8.875% | $954.77 | No |  | $1616.16 | $134.68 | $1143.00 | $95.25 | $0.00 | $0.00 | $0.00 | $1184.70 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.013 | 1.013 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 12/03/2024 | 12/03/2024 |  |  |  | 744 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 17036.86 | 14.4 | 17036.86 | 14.4 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 495180 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/15/2024 | 29 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.375% |  | $1368.13 | No |  | $6402.12 | $533.51 | $1116.00 | $93.00 | $0.00 | $0.00 | $0.00 | $1994.64 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.023 | 1.022 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 11/27/2024 | 11/27/2024 |  |  |  | 691 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 168186.28 | 84.3 | No | 56.6 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 495181 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/15/2024 | 29 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.000% |  | $1317.30 | No |  | $6852.24 | $571.02 | $2790.00 | $232.50 | $1149.96 | $95.83 | $0.00 | $2216.65 |  | N/A | XXXX | XXXX | $95.83 | 03/01/2025 | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.038 | 1.038 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 12/05/2024 | 12/05/2024 |  |  |  | 776 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 218716.61 | 98.7 | 218716.61 | 98.7 | No | 60 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 495182 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/15/2024 | 29 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.500% |  | $1101.26 | No |  | $3591.72 | $299.31 | $1490.64 | $124.22 | $0.00 | $0.00 | $0.00 | $1524.79 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.18 | 1.181 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 12/13/2024 | 12/13/2024 |  |  |  | 734 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 28938.40 | 19 | 28938.40 | 19 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 496066 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/15/2024 | 29 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.875% |  | $1006.03 | No |  | $782.04 | $65.17 | $1055.04 | $87.92 | $0.00 | $0.00 | $0.00 | $1159.12 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.165 | 1.165 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 12/18/2024 | 12/18/2024 |  |  |  | 703 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 130155.93 | 112.3 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 497057 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/15/2024 | 29 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.125% |  | $2324.33 | No |  | $6476.52 | $539.71 | $1083.00 | $90.25 | $0.00 | $0.00 | $0.00 | $2954.29 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.066 | 1.066 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 12/10/2024 | 12/10/2024 |  |  |  | 783 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 49565.74 | 16.8 | 49565.74 | 16.8 | No | 60.25 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 497058 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/15/2024 | 29 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.875% |  | $1565.33 | No |  | $10052.04 | $837.67 | $1358.16 | $113.18 | $425.04 | $35.42 | $0.00 | $2551.60 |  | N/A | XXXX | XXXX | $35.42 |  | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.058 | 1.058 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 12/12/2024 | 12/12/2024 |  |  |  | 746 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 17215.56 | 6.8 | 17215.56 | 6.8 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 497801 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/15/2024 | 29 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.875% |  | $822.68 | No |  | $8230.92 | $685.91 | $1407.00 | $117.25 | $575.04 | $47.92 | $0.00 | $1673.76 |  | N/A | XXXX | XXXX | $47.92 | 03/01/2025 | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.314 | 1.314 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 12/16/2024 | 12/16/2024 |  |  |  | 773 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Resident Alien |  | N/A |  | XX | XXXX |  |  |  | I-151 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 21190.79 | 12.7 | 21190.79 | 12.7 | No | 35.25 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 497802 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/15/2024 | 29 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.500% |  | $1328.51 | No |  | $8270.28 | $689.19 | $2343.72 | $195.31 | $0.00 | $0.00 | $0.00 | $2213.01 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.288 | 1.288 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 12/16/2024 | 12/16/2024 |  |  |  | 792 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 33376.40 | 15.1 | 33376.40 | 15.1 | No | 45.78 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 498798 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/15/2024 | 29 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.125% |  | $1313.75 | No |  | $1889.40 | $157.45 | $1297.44 | $108.12 | $0.00 | $0.00 | $0.00 | $1579.32 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.52 | 1.52 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 12/10/2024 | 12/10/2024 |  |  |  | 699 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 44654.64 | 28.3 | No | 67.83 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 499525 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/15/2024 | 29 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.250% |  | $1364.35 | No |  | $4179.48 | $348.29 | $675.96 | $56.33 | $4032.00 | $336.00 | $0.00 | $2104.97 |  | Yes | XXXX | XXXX | $336.00 | 03/01/2025 | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.33 | 1.331 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 12/09/2024 | 12/09/2024 |  |  |  | 789 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 19720.46 | 9.4 | 19720.46 | 9.4 | No | 59.7 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 508216 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/27/2025 | 30 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.000% |  | $1397.14 | No |  | $7651.80 | $637.65 | $1755.00 | $146.25 | $600.00 | $50.00 | $0.00 | $2231.04 |  | N/A | XXXX | XXXX | $50.00 | 03/01/2025 | Annually | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.053 | 1.053 |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Foreign National | Foreign National |  | Passport |  | XX | XXXX | XXXX | XXXX | XXXX | Work Visa |  | XXXX | Foreign National | Foreign National |  | Passport |  | XXXX | XXXX | XXXX | XXXX | XXXX | Work Visa |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 7564.23 | 3.4 | 7564.23 | 3.4 | No | 70 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 509562 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/15/2024 | 29 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.000% |  | $1071.14 | No |  | $4108.92 | $342.41 | $880.92 | $73.41 | $1320.00 | $110.00 | $0.00 | $1596.96 |  | N/A | XXXX | XXXX | $110.00 |  | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.058 | 1.058 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Foreign National | Foreign National |  | Passport |  | XX | XXXX | XXXX | XXXX | XXXX | Work Visa |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 32629.04 | 20.4 | 32629.04 | 20.4 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 510632 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/15/2024 | 29 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.375% |  | $2424.27 | No |  | $6750.00 | $562.50 | $2965.44 | $247.12 | $0.00 | $0.00 | $0.00 | $3233.89 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.051 | 1.051 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Foreign National | Foreign National | N/A | Passport |  | XX | XXXX | XXXX | XXXX | XXXX | Other |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 9750.12 | 3 | 9750.12 | 3 | No | 65 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 513145 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/27/2025 | 30 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.125% |  | $1347.44 | No |  | $3335.04 | $277.92 | $626.04 | $52.17 | $1080.00 | $90.00 | $0.00 | $1767.53 |  | N/A | XXXX | XXXX | $90.00 |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.414 | 1.414 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | Foreign National | Foreign National |  | Passport |  | XX | XXXX | XXXX | XXXX | XXXX | N/A |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 9144.69 | 5.2 | 9144.69 | 5.2 | No | 44.74 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 514293 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/27/2025 | 30 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.875% |  | $1232.62 | No |  | $4163.64 | $346.97 | $2816.04 | $234.67 | $0.00 | $0.00 | $0.00 | $1814.26 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.323 | 1.323 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 12/15/2024 | 12/15/2024 |  |  |  | 686 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A |  |  |  | XXXX |  |  |  | I-551 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 156834.26 | 86.5 | No | 51.36 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 515006 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/27/2025 | 30 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.625% |  | $2300.33 | No |  | $4215.96 | $351.33 | $1207.68 | $100.64 | $150.00 | $12.50 | $0.00 | $2764.80 |  | N/A | XXXX | XXXX | $12.50 |  | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.013 | 1.013 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 01/03/2025 | 01/03/2025 |  |  |  | 759 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 29820.63 | 10.8 | 29820.63 | 10.8 | No | 73.03 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 516996 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/05/2024 | 1 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.500% |  | $1722.37 | Yes | 18.000% | $2893.20 | $241.10 | $435.00 | $36.25 | $2400.00 | $200.00 | $0.00 | $2199.72 |  | Yes | XXXX | XXXX | $200.00 | 02/28/2025 | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1 | 1 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 12/26/2024 | 12/26/2024 |  |  |  | 719 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 31692.51 | 14.4 | 31692.51 | 14.4 | No | 80 | Yes | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 517133 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/27/2025 | 30 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.375% |  | $1111.99 | No |  | $5653.80 | $471.15 | $2681.04 | $223.42 | $399.96 | $33.33 | $0.00 | $1839.89 |  | N/A | XXXX | XXXX | $33.33 |  | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.304 | 1.304 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 12/17/2024 | 12/17/2024 |  |  |  | 744 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A |  |  |  | XXXX |  |  |  | I-551 Stamp and Passport |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 57519.74 | 31.3 | 57519.74 | 31.3 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 517135 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/27/2025 | 30 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.125% |  | $2101.96 | No |  | $7177.92 | $598.16 | $1263.00 | $105.25 | $1800.00 | $150.00 | $0.00 | $2955.37 |  | N/A | XXXX | XXXX | $150.00 | 04/01/2025 | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 0.863 | 0.863 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 12/31/2024 | 12/31/2024 |  |  |  | 741 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 59167.53 | 20 | 59167.53 | 20 | No | 60 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 517136 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/27/2025 | 30 | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.250% |  | $2728.71 | No |  | $3348.48 | $279.04 | $1284.96 | $107.08 | $1320.00 | $110.00 | $0.00 | $3224.83 |  | N/A | XXXX | XXXX | $110.00 | 04/01/2025 | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.101 | 1.101 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 01/13/2025 | 01/13/2025 |  |  |  | 778 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 377603.36 | 117.1 | 109603.36 | 34 | No | 46.08 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 518099 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/27/2025 | 30 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.250% |  | $2714.83 | No |  | $5499.96 | $458.33 | $1400.04 | $116.67 | $0.00 | $0.00 | $0.00 | $3289.83 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 0.851 | 0.851 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 11/15/2024 | 11/15/2024 |  |  |  | 683 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 25135.79 | 7.6 | 25135.79 | 7.6 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 518100 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/27/2025 | 30 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.125% |  | $1259.85 | No |  | $8417.40 | $701.45 | $2087.88 | $173.99 | $2700.00 | $225.00 | $0.00 | $2360.29 |  | N/A | XXXX | XXXX | $225.00 | 03/01/2025 | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 0.974 | 0.975 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 01/06/2025 | 01/06/2025 |  |  |  | 771 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 22044.59 | 9.3 | 22044.59 | 9.3 | No | 71.92 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 519191 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/27/2025 | 29 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.875% |  | $2943.70 | No |  | $4023.84 | $335.32 | $1062.96 | $88.58 | $0.00 | $0.00 | $0.00 | $3367.60 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Not Stated Not Verified | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 0 | 0 | N/A | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 01/09/2025 | 01/09/2025 |  |  |  | 679 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 62807.40 | 18.7 | 62807.40 | 18.7 | No | 60 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 519192 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 11/15/2024 | 29 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.875% |  | $1930.50 | No |  | $9018.12 | $751.51 | $2158.08 | $179.84 | $500.04 | $41.67 | $0.00 | $2903.52 |  | N/A | XXXX | XXXX | $41.67 | 04/01/2025 | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.266 | 1.266 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 01/10/2025 | 01/10/2025 |  |  |  | 763 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 68987.39 | 23.8 | 68987.39 | 23.8 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 521422 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/06/2025 | 30 | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.875% |  | $6090.58 | No |  | $15913.80 | $1326.15 | $5883.00 | $490.25 | $35520.00 | $2960.00 | $0.00 | $10866.98 |  | Yes | XXXX | XXXX | $2960.00 | 02/10/2025 | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Not Stated Not Verified | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - N/A | Borrower | XXXX | XXXX | XX | XXXX | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | Foreign National | Foreign National | N/A | Passport |  | XX | XXXX | XXXX | XXXX | XXXX | I-551 Stamp and Passport |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 739154.61 | 68 | No | 60 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 521423 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/06/2025 | 31 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.000% |  | $1247.44 | No |  | $6623.64 | $551.97 | $2751.60 | $229.30 | $219.96 | $18.33 | $0.00 | $2047.04 |  | N/A | XXXX | XXXX | $18.33 | 04/01/2025 | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.172 | 1.172 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 12/13/2024 | 12/13/2024 |  |  |  | 780 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Standard Driver's License - Not for federal use |  | XX | XXXX | XXXX |  |  | I-151 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 24809.10 | 12.1 | 24809.10 | 12.1 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 521424 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/06/2025 | 31 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.875% |  | $1347.36 | No |  | $3078.00 | $256.50 | $1064.04 | $88.67 | $0.00 | $0.00 | $0.00 | $1692.53 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.004 | 1.004 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 01/23/2025 | 01/23/2025 |  |  |  | 707 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | N/A |  | XX | XXXX | XXXX |  |  | I-151 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 19200.57 | 11.3 | 19200.57 | 11.3 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 522370 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/27/2025 | 30 | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.125% |  | $3250.69 | No |  | $10564.56 | $880.38 | $8013.00 | $667.75 | $0.00 | $0.00 | $0.00 | $4798.82 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1 | 1 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 12/20/2024 | 12/20/2024 |  |  |  | 805 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 450394.54 | 93.9 | No | 60.31 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 522373 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/27/2025 | 30 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.000% |  | $3109.17 | No |  | $9188.28 | $765.69 | $2007.36 | $167.28 | $0.00 | $0.00 | $0.00 | $4042.14 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.163 | 1.163 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 01/02/2025 | 01/02/2025 |  |  |  | 729 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Yes | N/A | 157699.68 | 39 | 162639.94 | 40.2 | No | 65 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 522374 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/06/2025 | 31 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.125% |  | $682.14 | No |  | $6295.32 | $524.61 | $231.96 | $19.33 | $2736.00 | $228.00 | $0.00 | $1454.08 |  | Yes | XXXX | XXXX | $228.00 | 04/01/2025 | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.272 | 1.272 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 01/10/2025 | 01/10/2025 |  |  |  | 806 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 16351.52 | 11.3 | 16351.52 | 11.3 | No | 45 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 522375 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/06/2025 | 31 | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 9.500% |  | $1352.09 | No |  | $3734.64 | $311.22 | $1443.00 | $120.25 | $0.00 | $0.00 | $0.00 | $1783.56 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.458 | 1.458 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 11/26/2024 | 11/26/2024 |  |  |  | 731 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Non Permanent Resident Alien | Non Permanent Resident Alien | N/A | Standard Driver's License - Not for federal use |  | XX | XXXX | XXXX |  |  | I-766 Employment Authorization Document |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 5508.59 | 3.1 | 5508.59 | 3.1 | No | 80 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 523367 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/06/2025 | 31 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.125% |  | $1527.99 | No |  | $2445.00 | $203.75 | $921.00 | $76.75 | $1452.00 | $121.00 | $0.00 | $1929.49 |  | N/A | XXXX | XXXX | $121.00 |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.244 | 1.244 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 01/21/2025 | 01/21/2025 |  |  |  | 750 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | Unknown | N/A | 99657.78 | 51.7 | 99657.78 | 51.7 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 523368 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/06/2025 | 31 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.250% |  | $1289.31 | No |  | $3045.24 | $253.77 | $576.96 | $48.08 | $0.00 | $0.00 | $0.00 | $1591.16 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.383 | 1.383 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 12/13/2024 | 12/13/2024 |  |  |  | 813 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 181685.57 | 114.2 | No | 60 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 523369 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/06/2025 | 31 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.125% |  | $505.29 | No |  | $3758.04 | $313.17 | $372.00 | $31.00 | $4668.00 | $389.00 | $0.00 | $1238.46 |  | Yes | XXXX | XXXX | $389.00 | 04/01/2025 | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.453 | 1.453 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 01/08/2025 | 01/08/2025 |  |  |  | 757 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | Permanent Resident Alien | Permanent Resident Alien | N/A | Missing |  | XX | XXXX |  |  |  | I-151 Permanent Resident Card |  | XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 68815.13 | 55.6 | No | 31.91 | Yes | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 523370 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/06/2025 | 31 | XXXX | ATR/QM: Exempt | Yes | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.750% |  | $1929.53 | No |  | $7480.68 | $623.39 | $593.04 | $49.42 | $5256.00 | $438.00 | $0.00 | $3040.34 |  | N/A | XXXX | XXXX | $438.00 |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.085 | 1.085 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 01/14/2025 | 01/14/2025 |  |  |  | 696 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 1160335.38 | 381.7 | 1160335.38 | 381.7 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 524130 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/06/2025 | 31 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.375% |  | $1276.92 | No |  | $5522.04 | $460.17 | $1725.60 | $143.80 | $0.00 | $0.00 | $0.00 | $1880.89 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.09 | 1.09 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 11/27/2024 | 11/27/2024 |  |  |  | 691 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 157413.09 | 83.7 | No | 57.93 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 524131 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/06/2025 | 31 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.750% |  | $998.84 | No |  | $4158.24 | $346.52 | $1154.76 | $96.23 | $0.00 | $0.00 | $0.00 | $1441.59 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes | Yes |  |  |  |  |  |  | Unknown | Unknown |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.04 | 1.04 |  | Borrower \|\| Co Borrower | Borrower \|\| Co Borrower | XXXX | XXXX | XX | XXXX | XXXX | 12/07/2024 | 12/07/2024 | 12/07/2024 |  |  | 712 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 39622.61 | 27.5 | 39622.61 | 27.5 | No | 67.25 | N/A | No | No | Yes | Borrower As Individual | Borrower As Individual | N/A | N/A |  |  |  |  |
| XXXX | 524132 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/06/2025 | 31 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.500% |  | $1117.00 | No |  | $5268.96 | $439.08 | $1593.00 | $132.75 | $0.00 | $0.00 | $0.00 | $1688.83 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.243 | 1.244 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 12/13/2024 | 12/13/2024 |  |  |  | 780 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 10367.03 | 6.1 | 10367.03 | 6.1 | No | 75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 524133 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/06/2025 | 31 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.000% |  | $997.95 | No |  | $9511.08 | $792.59 | $1179.96 | $98.33 | $1250.04 | $104.17 | $0.00 | $1993.04 |  | N/A | XXXX | XXXX | $104.17 |  | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.254 | 1.254 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 12/31/2024 | 12/31/2024 |  |  |  | 725 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 71684.36 | 36 | 71684.36 | 36 | No | 44.75 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 524134 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/06/2025 | 31 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.875% |  | $2069.33 | No |  | $3767.04 | $313.92 | $777.48 | $64.79 | $0.00 | $0.00 | $0.00 | $2448.04 |  | N/A |  |  | $0.00 |  |  | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.266 | 1.266 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 01/16/2025 | 01/16/2025 |  |  |  | 770 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 414578.61 | 169.4 | 414578.61 | 169.4 | No | 70 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 524135 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/06/2025 | 30 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.375% |  | $6333.72 | No |  | $23775.24 | $1981.27 | $6360.00 | $530.00 | $1230.00 | $102.50 | $0.00 | $8947.49 |  | N/A | XXXX | XXXX | $102.50 |  | Annually | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Not Employed |  |  |  |  |  | Not Stated Not Verified | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - N/A | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 11/19/2024 | 11/19/2024 |  |  |  | 740 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 67746.84 | 7.6 | 67746.84 | 7.6 | No | 60 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 524888 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 02/06/2025 | 31 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 6.750% |  | $1371.78 | No |  | $8709.60 | $725.80 | $1509.00 | $125.75 | $750.00 | $62.50 | $0.00 | $2285.83 |  | N/A | XXXX | XXXX | $62.50 |  | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No |  |  |  | 0.00% |  |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No | NA | 0 | 0 | N/A |  | 0 |  | Yes | 1.334 | 1.334 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 01/03/2025 | 01/03/2025 |  |  |  | 751 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 15239.62 | 6.7 | 15239.62 | 6.7 | No | 49.94 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 530084 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/20/2025 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 8.000% |  | $1964.65 | No |  | $3029.28 | $252.44 | $1064.04 | $88.67 | $552.00 | $46.00 | $0.00 | $2351.76 |  | N/A | XXXX | XXXX | $46.00 | 03/01/2025 | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.169 | 1.169 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 01/29/2025 | 01/29/2025 |  |  |  | 750 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  |  |  |  |  |  |  |  |  |  |  |  | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 31518.20 | 13.4 | No | 75 | N/A | No | No | Yes | Member on Behalf of Entity | N/A | N/A | N/A |  |  |  |  |
| XXXX | 531299 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 04/01/2024 | 1 | XXXX | QM: Safe Harbor APOR (APOR SH) | Yes | No | No | N/A | N/A | 7840 | 01/27/2025 | 6.930% |  |  | No | 7.915% |  | 7.875% |  | $18126.73 | No |  | $20775.96 | $1731.33 | $10701.96 | $891.83 | $0.00 | $0.00 | $0.00 | $20749.89 | $727995.56 | N/A |  |  | $0.00 |  |  | 0.00% | 3.16% | 3.16% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 80.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 168 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Other REO Net Rental Income(Loss), SECorporation - CPA Letter Verified, Business Bank Statements Verified - 2023, 2024 | Borrower - 2023, 2024 | XXXX | XXXX | XX | XXXX | XXXX | 12/20/2024 | 12/20/2024 |  |  |  | 705 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | .00 | 0 | 372616.53 | 18 | No | 67.57 | N/A | No | No | No | Borrower As Individual | N/A | N/A | N/A |  |  |  |  |
| XXXX | 534115 | XXXX | XXXX | XXXX | XXXX | No | XXXX | XXXX | 01/20/2025 | 3 | XXXX | ATR/QM: Exempt | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | 7.750% |  | $1055.94 | No |  | $1667.52 | $138.96 | $549.12 | $45.76 | $5640.00 | $470.00 | $0.00 | $1710.66 |  | N/A | XXXX | XXXX | $470.00 | 03/01/2025 | Monthly | 0.00% | 0.00% | 0.00% | Yes |  |  |  |  |  |  |  | Unknown |  |  |  |  |  | Debt Service Coverage Ratio | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 NA | No | No | 0 | No | No | N/A | 0 | 0 | No | N/A | 0 | 0 | 0.00% |  |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 NA | 0 | 0 | N/A NA | 0 | 0 | N/A | Yes | 1.052 | 1.052 |  | Borrower | Borrower | XXXX | XXXX | XX | XXXX | XXXX | 01/24/2025 | 01/24/2025 |  |  |  | 764 |  |  |  |  |  |  |  |  | No |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XX |  |  | XX |  |  |  | XX |  |  | XX |  |  | XX |  | 0 | 0 | 0 | 0 |  |  |  |  | 0 | 0 | 0 | Unknown | No |  |  | No | US Citizen | US Citizen | N/A |  |  |  | XXXX |  |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple |  | No | No | N/A | 71453.61 | 41.8 | 225442.79 | 131.8 | No | 74.66 | N/A | No | No | Yes | Borrower As Individual | N/A | N/A | N/A | XXXX |  |  |  |

---

## Exhibit 99.22

[GCAT DEPOSITOR VI LLC ABS-15G](gcatnqm-abs15g.htm)

**Exhibit 99.22**

![](ex9922001.jpg)

**NARRATIVE**

**GCAT 2025-NQM3**

**By Canopy Financial Technology Partners LLC on June 3, 2025**

Canopy Financial Technology Partners LLC

chweeler@canopytpr.com \| 801-792-2995 \| www.canopytpr.com

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

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

![](ex9922001.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 Blue River Mortgage VI LLC (the "Client") or its affiliated company. The Review was conducted from January to February 2025 via files imaged and provided by the Client for review.

The Review consisted of a population of one hundred twenty-one (121) Loans with an aggregate principal balance of $64,395,022.

**Loan Sampling**

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

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

**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 |
| &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 |

---

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

![](ex9922001.jpg)

**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

![](ex9922001.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)).

**Fraud Review:** For all Loans, the Client provided the results from a third-party anti-fraud tool to Vendor.

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

![](ex9922001.jpg)

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:

○ Social Security inconsistencies

○ Borrower name variations

● Employment:

● Licensing – reviewed NMLS data for:

○ Mortgage lender/originator

○ Loan officer

● Occupancy:

○ Borrower address history

○ Subject property ownership history

● OFAC.

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

● Depository account statements;

● Gift funds;

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

● Stock or security account statements; and/or

● VOD's.

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

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

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

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

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

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

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

![](ex9922001.jpg)

● 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.

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

![](ex9922001.jpg)

**"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;

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

![](ex9922001.jpg)

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

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

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

**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:

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● 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.

**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.

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

---

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

---

---

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

---

---

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

---

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

---

**FINDINGS SUMMARY**

**Summary Overview**

Canopy's review concluded the grading of the Credit, Property/Valuation, and Compliance sections. 87.60% (106 loans) have an overall grade of "A" and 12.40% (15 loans) has an overall grade of "B".

Canopy's review concluded a Credit grade of "A" for 100.00%, (121 loans) of mortgage loans reviewed, and 0.00% (0 loans) has a Credit grade of "B".

Canopy's review concluded a Compliance grade of "A" for 100.00%, (121 loans) of mortgage loans reviewed, and 0.00% (0 loans) have a Compliance grade of "B".

Canopy's review concluded a Property/Valuation grade of "A" for 87.60%, (106 loans) of mortgage loans reviewed, and 12.40% (15 loans) have a Property/Valuation grade of "B".

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**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;106 | &nbsp;&nbsp;87.60% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;15 | &nbsp;&nbsp;12.40% |
| &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;**121** | &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;121 | &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;**121** | &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;121 | &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;**121** | &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;106 | &nbsp;&nbsp;87.60% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;15 | &nbsp;&nbsp;12.40% |
| &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;**121** | &nbsp;&nbsp;**100.00%** |

---

**Additional Loan Summary Details**

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Amortization Type** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Fixed | &nbsp;&nbsp;117 | &nbsp;&nbsp;96.69% | &nbsp;&nbsp;$62219822.00 |
| &nbsp;&nbsp;ARM | &nbsp;&nbsp;4 | &nbsp;&nbsp;3.31% | &nbsp;&nbsp;$2175200.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**121** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$64395022.00** |

---

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

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| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;121 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$64395022.00 |
| &nbsp;&nbsp;Second | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**121** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$64395022.00** |
| &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;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &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;25 | &nbsp;&nbsp;20.66% | &nbsp;&nbsp;$18364248.00 |
| &nbsp;&nbsp;First Time Home Purchase | &nbsp;&nbsp;53 | &nbsp;&nbsp;43.80% | &nbsp;&nbsp;$20624957.00 |
| &nbsp;&nbsp;Other Than First Time Home Purchase | &nbsp;&nbsp;34 | &nbsp;&nbsp;28.10% | &nbsp;&nbsp;$19800272.00 |
| &nbsp;&nbsp;Rate/Term Refinance - Borrower Initiated | &nbsp;&nbsp;9 | &nbsp;&nbsp;7.44% | &nbsp;&nbsp;$5605545.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**121** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$64395022.00** |
| &nbsp;&nbsp;**Original Term** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;121 - 180 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;181 - 240 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;241 - 300 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;301 - 360 Months | &nbsp;&nbsp;121 | &nbsp;&nbsp;100.00% | &nbsp;&nbsp;$64395022.00 |
| &nbsp;&nbsp;421-480 Months | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% | &nbsp;&nbsp;$0.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**121** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$64395022.00** |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**% of Loans** | &nbsp;&nbsp;**Original Balance** |
| &nbsp;&nbsp;Owner Occupied | &nbsp;&nbsp;96 | &nbsp;&nbsp;79.34% | &nbsp;&nbsp;$50679847.00 |
| &nbsp;&nbsp;Second Home | &nbsp;&nbsp;3 | &nbsp;&nbsp;2.48% | &nbsp;&nbsp;$1662500.00 |
| &nbsp;&nbsp;Investment Property | &nbsp;&nbsp;22 | &nbsp;&nbsp;18.18% | &nbsp;&nbsp;$12052675.00 |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**121** | &nbsp;&nbsp;**100.00%** | &nbsp;&nbsp;**$64395022.00** |

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

![](ex9922001.jpg)

**DATA COMPARISON RESULTS**

Of the one hundred twenty-one (121) mortgage Loan Files reviewed, eight (8) unique loans (6.61% by number) had ten (10) tape comparison discrepancies across seven (7) data fields.

---

| | | | | |
|:---|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Label** | &nbsp;&nbsp;**Logic Applied** | &nbsp;&nbsp;**# Loans with Discrepancy** | &nbsp;&nbsp;**Total Times Compared** | &nbsp;&nbsp;**% Variance** |
| &nbsp;&nbsp;Borrower 1 Qualifying Income | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;121 | &nbsp;&nbsp;0.83% |
| &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;121 | &nbsp;&nbsp;0.83% |
| &nbsp;&nbsp;Maturity Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;121 | &nbsp;&nbsp;0.83% |
| &nbsp;&nbsp;Note Date | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;2 | &nbsp;&nbsp;121 | &nbsp;&nbsp;1.65% |
| &nbsp;&nbsp;Primary Appraised Property Value | &nbsp;&nbsp;No tolerance | &nbsp;&nbsp;1 | &nbsp;&nbsp;121 | &nbsp;&nbsp;0.83% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;Apply 1% Tolerance if < 80% | &nbsp;&nbsp;2 | &nbsp;&nbsp;121 | &nbsp;&nbsp;1.65% |
| &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;2 | &nbsp;&nbsp;121 | &nbsp;&nbsp;1.65% |

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

![](ex9922001.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 99.23

[GCAT DEPOSITOR VI LLC ABS-15G](gcatnqm-abs15g.htm)

**Exhibit 99.23**

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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** |
| 20250873 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 20250885 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 20250915 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 20250848 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 20250849 |  | xxx C A | Closed | FCRE1293 | 2025-01-03 11:49 | 2025-01-07 10:36 | Resolved | 1 - Information C A | Credit | Income | Income 2 Months Income Verified is Missing | Resolved-Property located at xxx is Free & Clear, Copy of Cancelation of Deed provided along with Taxes & HOI - No HOA on property. - Due Diligence Vendor-01/07/2025 <br> Ready for Review-Document Uploaded. Please note that REO is a SFR that's why there is no HOA for it. - Seller-01/06/2025 <br> Open-Income 2 Months Income Verified is Missing Cannot locate hoi or hoa info on xxx property in file REO income loss - Due Diligence Vendor-01/03/2025 | Ready for Review-Document Uploaded. Please note that REO is a SFR that's why there is no HOA for it. - Seller-01/06/2025<br>| Resolved-Property located at xxx is Free & Clear, Copy of Cancelation of Deed provided along with Taxes & HOI - No HOA on property. - Due Diligence Vendor-01/07/2025 | 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 0.03<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 43.76% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 20250863 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 20250866 |  | xxx C A | Closed | FCRE8611 | 2025-01-06 11:04 | 2025-01-08 13:32 | Resolved | 1 - Information C A | Credit | Income | Income/Employment General | Resolved-Readable WVOE provided. - Due Diligence Vendor-01/08/2025 <br>Ready for Review-Document Uploaded. - Seller-01/07/2025 <br>Open-wvoe on pg 601 is not legible requesting a new wvoe. - Due Diligence Vendor-01/06/2025 | Ready for Review-Document Uploaded. - Seller-01/07/2025<br>| Resolved-Readable WVOE provided. - Due Diligence Vendor-01/08/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 75.28 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 11.67% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 51.37% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | N/A | N/A | xxx |
| 20250872 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 20250891 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 20250897 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 20250901 |  | xxx D A | Closed | FCRE1815 | 2025-01-06 14:45 | 2025-01-09 09:32 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-Business Listing and CPA CTEC provided. - Due Diligence Vendor-01/09/2025 <br> Ready for Review-Document Uploaded. xxx - Please see uploaded. - Seller-01/08/2025 <br> Open-Missing business listing and address for the borrower's business using the internet/directory assistance or business profile websites, etc. The borrower is self-employed and per CPA letter provided, no business license is required; however, verification of the borrower's business listing is missing. - Due Diligence Vendor-01/06/2025 | Ready for Review-Document Uploaded. xxx - Please see uploaded. - Seller-01/08/2025 | Resolved-Business Listing and CPA CTEC provided. - Due Diligence Vendor-01/09/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 49.83 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.14 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.92% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 20250901 |  | xxx D A | Closed | FCRE1169 | 2025-01-03 15:05 | 2025-01-09 09:31 | Resolved | 1 - Information C A | Credit | Insurance | Flood Insurance Effective Date is after the Note Date | Resolved-Per PCCD - Disbursement date is xxx and HOI Effective date is xxx - Due Diligence Vendor-01/09/2025 <br> Ready for Review-xxx - Please note that this loan is funded xxx. Same day as the effective date of the flood insurance please refer to page 252 of the loan package. Insurance must be on or before funding date.<br> - Seller-01/08/2025 <br> Open-Flood Insurance Effective Date of xxx is after the Note Date of xxx. - Due Diligence Vendor-01/03/2025 | Ready for Review-xxx- Please note that this loan is funded xxx. Same day as the effective date of the flood insurance please refer to page 252 of the loan package. Insurance must be on or before funding date.<br> - Seller-01/08/2025 | Resolved-Per PCCD - Disbursement date is xxx and HOI Effective date is xxx - Due Diligence Vendor-01/09/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 49.83 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.14 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.92% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 60% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 20250905 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 20250908 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 20250918 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 20250920 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 20250853 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 20250880 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 20250869 |  | xxx D B A C | Closed | FPRO4876 | 2025-01-13 19:19 | 2025-06-02 13:37 | Waived | 2 - Non-Material D B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Waived- - Due Diligence Vendor-06/02/2025 <br> Resolved-Per xxx disaster guidance, property located outside of immediate impact area. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-01/31/2025 <br> Ready for Review-Document Uploaded. xxx - Uploaded DIR Cert - Seller-01/30/2025 <br> Counter-Property located in confirmed impact zip code xxx and PDI will be required. - Due Diligence Vendor-01/23/2025 <br> Counter-Subject Is located in a Disaster area and currently on going - PDI report needed after completion or end date of FEMA Disaster. - Due Diligence Vendor-01/14/2025 <br> Ready for Review-Document Uploaded. xxx - Uploaded rebuttal. - Seller-01/14/2025 <br> Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. PDI report needed after completion or end date of FEMA Disaster. - Due Diligence Vendor-01/14/2025 | Ready for Review-Document Uploaded. xxx - Uploaded DIR Cert - Seller-01/30/2025 <br> Ready for Review-Document Uploaded. xxx - Uploaded rebuttal. - Seller-01/14/2025 | Resolved-Per xxx disaster guidance, property located outside of immediate impact area. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-01/31/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.4% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.41% 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 89.8 Are Greater Than The Guideline Minimum Of 9 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 0.04 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxx |
| 20250869 |  | xxx D B A C | Closed | FCRE5047 | 2025-01-08 08:21 | 2025-02-06 08:47 | Resolved | 1 - Information C A | Credit | Title | Amount of title insurance is less than mortgage amount | Resolved-Final Title Policy provided. - Due Diligence Vendor-02/06/2025 <br>Ready for Review-Document Uploaded. - Seller-02/05/2025 <br>Open-Dollar amount of title insurance coverage is not listed on title policy. - Due Diligence Vendor-01/08/2025 | Ready for Review-Document Uploaded. - Seller-02/05/2025<br>| Resolved-Final Title Policy provided. - Due Diligence Vendor-02/06/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.4% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.41% 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 89.8 Are Greater Than The Guideline Minimum Of 9 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 0.04 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 20250869 |  | xxx D B A C | Closed | FCRE2000 | 2025-01-08 08:58 | 2025-01-13 19:12 | Resolved | 1 - Information D A | Credit | Missing Doc - Property | Incomplete or Unexecuted Purchase Contract | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-01/14/2025 <br> Open-Incomplete or unexecuted Purchase Contract - Utilize finding with Enumerations: Partial, Unexecuted or Not Executed and comment accordingly In need of addendum to contract executed and dated by all parties reflecting sales price of $xxx. - Due Diligence Vendor-01/08/2025 |  | Resolved-Purchase Contract Issue Resolved - Due Diligence Vendor-01/14/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 62.4% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 23.41% 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 89.8 Are Greater Than The Guideline Minimum Of 9 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 0.04 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 20250903 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 20250935 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 20250942 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 20250851 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 20250892 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 20250910 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 20250912 |  | xxx C A | Closed | finding-3652 | 2025-01-10 11:06 | 2025-01-15 14:58 | Resolved | 1 - Information C A | Compliance | TRID | Lender Credits That Cannot Decrease Test | Resolved-Received Initial LE - Due Diligence Vendor-01/15/2025 <br> Open-These finding is in relation to the delivery of the Initial Loan Estimate. Lender to provide a copy of the Initial LE issued within 3 business days of the application date. - Due Diligence Vendor-01/10/2025 <br> Open-This loan failed the lender credits that cannot decrease test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i). The final sum of specific and non-specific lender credits ($xxx) does not exceed or equal the comparable sum of specific and non-specific lender credits ($xxx). Please see the table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-01/10/2025 |  | Resolved-Received Initial LE - Due Diligence Vendor-01/15/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.5 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.41 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.22 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 20250912 |  | xxx C A | Closed | finding-3631 | 2025-01-10 11:06 | 2025-01-15 14:58 | Resolved | 1 - Information C A | Compliance | Points & Fees | Reimbursement Amount Validation Test | Resolved-Received Initial LE - Due Diligence Vendor-01/15/2025 <br>Open-These finding is in relation to the delivery of the Initial Loan Estimate. Lender to provide a copy of the Initial LE issued within 3 business days of the application date. - Due Diligence Vendor-01/10/2025 <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-01/10/2025 |  | Resolved-Received Initial LE - Due Diligence Vendor-01/15/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.5 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.41 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.22 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 20250912 |  | xxx C A | Closed | finding-3632 | 2025-01-10 11:06 | 2025-01-15 14:58 | Resolved | 1 - Information C A | Compliance | Disclosures (Federal, State, and Data Dependent) | Consummation or Reimbursement Date Validation Test | Resolved-Received Initial LE - Due Diligence Vendor-01/15/2025 <br>Open-These finding is in relation to the delivery of the Initial Loan Estimate. Lender to provide a copy of the Initial LE issued within 3 business days of the application date. - Due Diligence Vendor-01/10/2025 <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-01/10/2025 |  | Resolved-Received Initial LE - Due Diligence Vendor-01/15/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.5 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.41 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.22 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 20250912 |  | xxx C A | Closed | finding-3634 | 2025-01-10 11:06 | 2025-01-15 14:58 | Resolved | 1 - Information C A | Compliance | TRID Tolerance | Charges That Cannot Increase Test | Resolved-Received Initial LE - Due Diligence Vendor-01/15/2025 <br> Open-These finding is in relation to the delivery of the Initial Loan Estimate. Lender to provide a copy of the Initial LE issued within 3 business days of the application date. - Due Diligence Vendor-01/10/2025 <br> Open-This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i))The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $xxx.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). - Due Diligence Vendor-01/10/2025 |  | Resolved-Received Initial LE - Due Diligence Vendor-01/15/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.5 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.41 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.22 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 20250912 |  | xxx C A | Closed | finding-3515 | 2025-01-10 11:06 | 2025-01-15 14:58 | Resolved | 1 - Information C A | Compliance | TRID | Initial Loan Estimate Delivery Date Test (from application) | Resolved-Received Initial LE - Due Diligence Vendor-01/15/2025 <br> Ready for Review-Document Uploaded. - Seller-01/14/2025 <br> Open-This loan failed the initial loan estimate delivery date test (from application) due to one of the following: (12 CFR §1026.19(e)(1)(iii)(A))The initial loan estimate delivery date is later than the third business day (counting days on which the creditor's offices are open to the public for carrying on substantially all of its business functions) after the creditor or broker receives the consumer's written application.Therefore, if additional disclosures are entered into ComplianceAnalyzer, any values that would change under a valid changed circumstance if the initial loan estimate had been delivered timely, will not reset the baseline for tolerance purposes. The comparable fees for this loan will be $0, regardless of the actual values on the disclosure.This calculation takes into account a user-submitted designation of the days that the creditor's office will be deemed to be open or not open for carrying on substantially all of its business functions, as described in §1026.2(a)(6) and as it relates to §1026.19(e)(1)(iii)(A) (initial loan estimate disclosure three business days after application). This test excluded the following days from the business day count based on the client preferences configured on the company settings business days profile page: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. Earliest issued LE in the file is dated xxx, which is more than 3 business days from the application date. Evidence in the file indicates a LE was issued prior, lender to provide LE issued within 3 business days of the application date. - Due Diligence Vendor-01/10/2025 | Ready for Review-Document Uploaded. - Seller-01/14/2025<br>| Resolved-Received Initial LE - Due Diligence Vendor-01/15/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.5 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.41 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 8.22 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 20250860 |  | xxx D B A | Closed | FPRO4876 | 2025-01-09 17:50 | 2025-04-01 12:59 | Waived | 2 - Non-Material D B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Waived-Per xxx disaster guidance, property located outside of impact area per subject zip code and current fire maps. PDI not required at this time. <br> - Due Diligence Vendor-01/23/2025 <br> Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection report showing no damage. - Due Diligence Vendor-01/09/2025 |  | Waived-Per xxx disaster guidance, property located outside of impact area per subject zip code and current fire maps. PDI not required at this time. <br> - Due Diligence Vendor-01/23/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.97% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 28 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 - 22.65 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 - 22.65 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxx |
| 20250870 |  | xxx C A | Closed | FCRE1204 | 2025-01-10 11:16 | 2025-01-16 13:03 | Resolved | 1 - Information C A | Credit | Eligibility | Fraud Report Shows Uncleared Alerts | Resolved-Lender pulled a credit report on the borrower with that SSN and there are ample trade lines to that borrower with that SSN and no fraud alerts associated with that SSN - Due Diligence Vendor-01/16/2025 <br> Ready for Review-Document Uploaded. xxx - Please see rebuttal uploaded - Seller-01/15/2025 <br> Ready for Review-Document Uploaded. xxx- See rebuttal uploaded. - Seller-01/15/2025 <br> Counter-Document Uploaded. Missing Social Security Verification form confirmation it belongs to the borrower. Tradelines don't negate verification of Social Security confirmation. - Due Diligence Vendor-01/14/2025 <br> Ready for Review-Document Uploaded. xxx - Please see rebuttal uploaded. - Seller-01/14/2025 <br> Open-Fraud Report Shows Uncleared Alerts Missing valid SSN. Per the final loan application, the borrower is a US citizen. The Borrower completed Form SSA-89; however, the loan file does not contain the report verifying valid SSN. The lender's guidelines allow US Citizens with a valid SSN; however, the fraud report in the loan file shows high alert for SSN not likely issued prior to xxx cleared by lender using the borrower's credit report. The loan file contains xxx Driver's license (not Real ID) and USA Patriot Act Customer ID Verification completed with xxx Driver's license and xxx Bankcard. - Due Diligence Vendor-01/10/2025 | Ready for Review-Document Uploaded. xxx - Please see rebuttal uploaded - Seller-01/15/2025 <br> Ready for Review-Document Uploaded. xxx - See rebuttal uploaded. - Seller-01/15/2025 <br> Ready for Review-Document Uploaded. xxx - Please see rebuttal uploaded. - Seller-01/14/2025 | Resolved-Lender pulled a credit report on the borrower with that SSN and there are ample trade lines to that borrower with that SSN and no fraud alerts associated with that SSN - Due Diligence Vendor-01/16/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Validated Calculated DTI Of 38.24% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Validated Months Reserves Of 63.47 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 - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.21 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 20250881 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  | xxx |
| 20250899 |  | xxx C A | Closed | FCRE1204 | 2025-01-10 18:31 | 2025-01-14 08:47 | 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-01/14/2025 <br>Ready for Review-Please note green card was provided and that SSN validation is provided if there is a finding on credit report (variation), but there isn't one. - Seller-01/13/2025 <br>Open-Fraud Report Shows Uncleared Alerts Missing validation of the Borrower's Social Security Number as required per the lender's guidelines. The fraud report has High Rick Alert for SSN requiring verification of the borrower's SSN; however, the lender cleared with the statement "green care holder". The loan file contains an executed Form SSA--89; however, the validation report is not present. - Due Diligence Vendor-01/10/2025 | Ready for Review-Please note green card was provided and that SSN validation is provided if there is a finding on credit report (variation), but there isn't one. - Seller-01/13/2025<br>| Resolved-All Fraud Report Alerts have been cleared or None Exist - Due Diligence Vendor-01/14/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.65% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br>Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.18 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 20250904 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 20250923 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 20250930 |  | xxx D A | Closed | FCRE1815 | 2025-01-10 16:19 | 2025-01-14 14:19 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-internet/directory assistance search dated xxx provided. - Due Diligence Vendor-01/14/2025 <br> Ready for Review-Document Uploaded. xxx - Uploaded business listing and address verification - Seller-01/14/2025 <br> Open-Missing business listing and address verification using the internet/directory assistance or business profile websites, etc., as required per the lender's guidelines for a self-employed borrower. The borrower is President of xxx. - Due Diligence Vendor-01/10/2025 | Ready for Review-Document Uploaded. xxx - Uploaded business listing and address verification - Seller-01/14/2025 | Resolved-internet/directory assistance search dated xxx provided. - Due Diligence Vendor-01/14/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 85% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 29.02% 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 32.66 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 20250933 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 20250882 |  | xxx D B A | Closed | FPRO4876 | 2025-01-13 11:27 | 2025-04-01 13:00 | Waived | 2 - Non-Material D B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Waived-Per xxx disaster guidance, property located outside of impact area per subject zip code and current fire maps. PDI not required at this time. - Due Diligence Vendor-01/29/2025 <br> Open-Property located in confirmed impacted zip code xxx and PDI will be required. - Due Diligence Vendor-01/23/2025 <br> Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Property located in FEMA designated disaster area. Post-Disaster Inspection needed - Due Diligence Vendor-01/13/2025 |  | Waived-Per xxx disaster guidance, property located outside of impact area per subject zip code and current fire maps. PDI not required at this time. - Due Diligence Vendor-01/29/2025 | Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 56.93% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.74% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 18 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 25.66 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 - 13 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Investor Post-Close | No | xxx |
| 20250889 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 20250902 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 20250926 |  | xxx C A | Closed | FCRE7000 | 2025-01-13 10:55 | 2025-01-17 08:20 | 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-01/17/2025 <br> Ready for Review-Document Uploaded. Please note that on provided pccd is reflecting the gift funds of $xxx, and its correct the $xxx reflecting on final 1003 were not deposited. - Seller-01/16/2025 <br> Counter-Document Uploaded. Just for clarification, Lender is stating that the Gift Funds letter located on page 68 in the original file and Listed on the Final 1003 iao $xxx was not used and that the correct Gift Funds Letter on page 69 for $xxx is what was used at closing. - Due Diligence Vendor-01/16/2025 <br> Ready for Review-Document Uploaded. Please note that gift amount of $xxx was not deposited, that's why is not showing on package. The only amount that was deposited was for the gift funds of $xxx. - Seller-01/15/2025 <br> Open-Insufficient Total Liquid Assets Available for Close Missing verification of $xxx Gift Funds needed to down payment/cash to close. The Borrower's non-borrowing spouse executed Gift Letter for $xxx down payment; however, the loan file does not contain evidence the funds were received by the title company for the down payment needed at closing. - Due Diligence Vendor-01/13/2025 | Ready for Review-Document Uploaded. Please note that on provided pccd is reflecting the gift funds of $xxx, and its correct the $xxx reflecting on final 1003 were not deposited. - Seller-01/16/2025 <br> Ready for Review-Document Uploaded. Please note that gift amount of $xxx was not deposited, that's why is not showing on package. The only amount that was deposited was for the gift funds of $xxx. - Seller-01/15/2025 | Resolved-Total Liquid Assets Available for Close Resolved - Due Diligence Vendor-01/17/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.65% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 32.18 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 - 32.19 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 20250944 |  | xxx D B A | Closed | FPRO4876 | 2025-01-13 11:59 | 2025-04-01 13:02 | Waived | 2 - Non-Material D B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Waived-Per xxx disaster guidance, property located outside of impact area per subject zip code and current fire maps. PDI not required at this time. - Due Diligence Vendor-01/23/2025 <br> Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Property located in FEMA designated disaster area. Post-Disaster Inspection needed. - Due Diligence Vendor-01/13/2025 |  | Waived-Per xxx disaster guidance, property located outside of impact area per subject zip code and current fire maps. PDI not required at this time. - Due Diligence Vendor-01/23/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 41.72 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 - 10 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.0<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 26.22% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxx |
| 20250898 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 20250900 |  | xxx D A | Closed | FCRE7497 | 2025-01-14 15:42 | 2025-01-16 13:55 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Property Report provided for xxx showing no HOA. - Due Diligence Vendor-01/16/2025 <br> Ready for Review-Document Uploaded. xxx - Please see uploaded. - Seller-01/15/2025 <br> Open-Missing evidence of no HOA payment for investment property owned at xxx. - Due Diligence Vendor-01/14/2025 | Ready for Review-Document Uploaded. xxx - Please see uploaded. - Seller-01/15/2025 | Resolved-Property Report provided for xxx showing no HOA. - Due Diligence Vendor-01/16/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<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 - 15.93 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 - 15.93 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 47.65 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 20250913 |  | xxx C A | Closed | FCOM4227 | 2025-01-13 15:29 | 2025-01-16 12:02 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-Received ICD - Due Diligence Vendor-01/16/2025 <br> Ready for Review-Document Uploaded. xxx - Uploaded Initial CD - Seller-01/15/2025 <br> Open-Missing Initial Closing Disclosure - Due Diligence Vendor-01/13/2025 | Ready for Review-Document Uploaded. xxx - Uploaded Initial CD - Seller-01/15/2025 | Resolved-Received ICD - Due Diligence Vendor-01/16/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.56 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 0.15<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.55% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.39 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 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 20250913 |  | xxx C A | Closed | finding-3532 | 2025-01-15 09:48 | 2025-01-16 11:51 | Resolved | 1 - Information C A | Compliance | TRID | Initial Closing Disclosure Delivery Date Test | Resolved-Received ICD - Due Diligence Vendor-01/16/2025 <br> Ready for Review-Document Uploaded. xxx - Uploaded MDIA for INITIAL CD - Seller-01/15/2025 <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:"USPS 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-01/15/2025 | Ready for Review-Document Uploaded. xxx - Uploaded MDIA for INITIAL CD - Seller-01/15/2025 | Resolved-Received ICD - Due Diligence Vendor-01/16/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.56 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 0.15<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.55% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 62.39 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 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 20250927 |  | xxx D B A | Closed | FPRO4876 | 2025-01-14 14:01 | 2025-04-01 13:01 | Waived | 2 - Non-Material D B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Waived-Per xxx disaster guidance, property located outside of impact area per subject zip code and current fire maps. PDI not required at this time. - Due Diligence Vendor-01/23/2025 <br> Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Subject Property is located in the county of xxx - Post Disaster Inspection to be performed after completion or end date of disaster per FEMA. PDI reports provided prior to that date will not be accepted by investor. - Due Diligence Vendor-01/17/2025 |  | Waived-Per xxx disaster guidance, property located outside of impact area per subject zip code and current fire maps. PDI not required at this time. - Due Diligence Vendor-01/23/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.74% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<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 0.25 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | Originator Post-Close | No | xxx |
| 20250927 |  | xxx D B A | Closed | FPRO1244 | 2025-01-14 19:20 | 2025-01-17 08:28 | Resolved | 1 - Information D A | Property | Missing Doc - Third Party Valuation | 3rd Party Valuation Product is Required and Missing | Resolved-CU Provided. - Due Diligence Vendor-01/17/2025 <br> Ready for Review-Document Uploaded. - Seller-01/16/2025 <br> Open-Missing CU with Score < 2.5 or CDA as required per guidelines for Loan Amount ≤ $xxx. The loan file contains the appraisal and CU only. - Due Diligence Vendor-01/15/2025 | Ready for Review-Document Uploaded. - Seller-01/16/2025<br>| Resolved-CU Provided. - Due Diligence Vendor-01/17/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.74% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<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 0.25 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 20250937 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 20250859 |  | xxx C B A | Closed | FVAL3825 | 2025-01-15 09:56 | 2025-04-01 12:59 | Waived | 2 - Non-Material C B | Property | Property Issue | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Waived-Per xxx disaster guidance, property located outside of impact area per subject zip code and current fire maps. PDI not required at this time. - Due Diligence Vendor-01/23/2025 <br> Open-Property located in FEMA designated disaster area. Post-Disaster Inspection needed - Due Diligence Vendor-01/15/2025 |  | Waived-Per xxx disaster guidance, property located outside of impact area per subject zip code and current fire maps. PDI not required at this time. - Due Diligence Vendor-01/23/2025 | Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 70.05 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 - 70.06 Years<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 41.94% Is Below The Guideline Maximum Of 70% By Ten Percent (10%) Or More<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.96% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 38.83 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 89.07 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxx |
| 20250862 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 20250887 |  | xxx D B A | Closed | FPRO4876 | 2025-01-14 17:15 | 2025-04-01 13:01 | Waived | 2 - Non-Material D B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Waived-Per xxx disaster guidance, property located outside of impact area per subject zip code and current fire maps. PDI not required at this time. - Due Diligence Vendor-01/23/2025 <br> Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Property located in FEMA declared disaster county. Disaster is ongoing. Inspection required after stated completion or end date per FEMA, subject to investor requirements - Due Diligence Vendor-01/14/2025 |  | Waived-Per xxx disaster guidance, property located outside of impact area per subject zip code and current fire maps. PDI not required at this time. - Due Diligence Vendor-01/23/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 48.19% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 31.73% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 48 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.75 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 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxx |
| 20250890 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 20250925 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 20250929 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 20250850 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 20250878 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 20250928 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 20250868 |  | xxx D A | Closed | FCRE4322 | 2025-01-17 13:05 | 2025-01-23 09:03 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing current budget from HOA | Resolved-xxx is a SFR per Property Report provided, No HOA. Mortgage statement provided (Escrowed) - Due Diligence Vendor-01/23/2025 <br> Ready for Review-Document Uploaded. xxx - Uploaded HOA for 19731 Trident<br> - Seller-01/22/2025 <br> Open-Cannot locate HOA proof of payment $xxx monthly forproperty xxx in file. Need HOA proof of payment. - Due Diligence Vendor-01/17/2025 | Ready for Review-Document Uploaded. xxx - Uploaded HOA for xxx<br> - Seller-01/22/2025 | Resolved-xxx is a SFR per Property Report provided, No HOA. Mortgage statement provided (Escrowed) - Due Diligence Vendor-01/23/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 9 Years<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 41.86% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 128.37 Are Greater Than The Guideline Minimum Of 9 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 20250852 |  | xxx D A | Closed | FCRE5770 | 2025-01-24 10:47 | 2025-01-28 08:41 | Resolved | 1 - Information D A | Credit | Missing Doc | Borrower 1 Credit Report is Missing | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-01/28/2025 <br>Open-Borrower 1 Credit Report is Missing. - Due Diligence Vendor-01/24/2025 |  | Resolved-Borrower 1 Credit Report is not missing. - Due Diligence Vendor-01/28/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 21.61 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 41.8% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<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 0.05<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 - 5.05 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |

| 20250886 |  | xxx D B A | Closed | FPRO4876 | 2025-01-28 14:43 | 2025-04-01 13:01 | Waived | 2 - Non-Material D B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Waived-Per xxx disaster guidance, property located outside of impact area per subject zip code and current fire maps. PDI not required at this time. - Due Diligence Vendor-01/29/2025 <br> Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Property located in FEMA declared disaster county. Disaster is ongoing. Inspection required after stated completion or end date per FEMA, subject to investor requirements. - Due Diligence Vendor-01/28/2025 |  | Waived-Per xxx disaster guidance, property located outside of impact area per subject zip code and current fire maps. PDI not required at this time. - Due Diligence Vendor-01/29/2025 | 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 - 6.73 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.59% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.08 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Investor Post-Close | No | xxx |
| 20250886 |  | xxx D B A | Closed | FCRE1503 | 2025-01-27 13:05 | 2025-02-03 12:08 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Mortgage Statement(s) Missing | Resolved-Tax Cert, HOI, Final CD & Note provided for xxx. The xxx Property has not closed yet, Tax cert HOA & HOI provided. - Due Diligence Vendor-02/03/2025 <br> Ready for Review-Document Uploaded. xxx - Uploaded Tax, HOI, HOA, FSS, Note & Final CD for property xxx. Also uploaded Tax, HOI & HOA for property xxx and please note that this loan hasn't in closing yet. Therefore, there is no mrtg statement available as of the moment. - Seller-02/01/2025 <br> Open-Missing verification of following REO new mortgages reflected on Final 1003:<br> - xxx - xxx #xxx $xxx (P&I Only)<br> - xxx info xxx #xxx total escrowed mortgage statement $xxx - Due Diligence Vendor-01/27/2025 | Ready for Review-Document Uploaded. xxx - Uploaded Tax, HOI, HOA, FSS, Note & Final CD for property xxx. Also uploaded Tax, HOI & HOA for property xxx and please note that this loan hasn't in closing yet. Therefore, there is no mrtg statement available as of the moment. - Seller-02/01/2025 | Resolved-Tax Cert, HOI, Final CD & Note provided for xxx. The xxx Property has not closed yet, Tax cert HOA & HOI provided. - Due Diligence Vendor-02/03/2025 | 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 - 6.73 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.59% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.08 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 20251165 |  | xxx C A | Closed | finding-3734 | 2025-01-29 15:14 | 2025-03-04 08:03 | Resolved | 1 - Information C A | Compliance | TRID | TRID Foreclosure Rescission Total of Payments Test | Resolved-Copy of restitution check in the amount of $xxx and proof of mailing has been provided. - Due Diligence Vendor-03/04/2025 <br> Ready for Review-xxx - Uploaded revised PCCD/Check and tracking info. - Seller-03/03/2025 <br> Counter- Lender excluded Appraisal CDA/PDC fee of $xxx from their TOP calculations. Copy of the restitution check to the borrower in the amount of xxx and proof of mailing is required. (cannot be cleared with a PCCD nor is a PCCD required) - Due Diligence Vendor-02/03/2025 <br> Ready for Review-xxx - CDA/PDC fee has been there since the Initial LE (page 546) and not only added at the Final CD. - Seller-01/31/2025 <br> Open-The loan failed the TRID Total of Payment test. In comparing with the lender's Loan Detail Report in the file, it is determined that the lender excluded Appraisal CDA/PDC fee of $xxx from their TOP calculations. - Due Diligence Vendor-01/30/2025 | Ready for Review-xxx - Uploaded revised PCCD/Check and tracking info. - Seller-03/03/2025 <br> Ready for Review-xxx - CDA/PDC fee has been there since the Initial LE (page 546) and not only added at the Final CD. - Seller-01/31/2025 | Resolved-Copy of restitution check in the amount of $xxx and proof of mailing has been provided. - Due Diligence Vendor-03/04/2025 | 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> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.64 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.64 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.83 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 95.37 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 20251165 |  | xxx C A | Closed | finding-3732 | 2025-01-29 15:14 | 2025-03-03 08:43 | Resolved | 1 - Information C A | Compliance | TRID | TRID Total of Payments Test | Resolved-Copy of restitution check in the amount of $xxx and proof of mailing has been provided. - Due Diligence Vendor-03/03/2025 <br> Ready for Review-Document Uploaded. xxx - Uploaded revised PCCD/Check and tracking info. - Seller-03/01/2025 <br> Counter- Lender excluded Appraisal CDA/PDC fee of $xxx from their TOP calculations. Copy of the restitution check to the borrower in the amount of xxx and proof of mailing is required. (cannot be cleared with a PCCD nor is a PCCD required) - Due Diligence Vendor-02/03/2025 <br> Ready for Review-xxx - CDA/PDC fee has been there since the Initial LE (page 546) and not only added at the Final CD. - Seller-01/31/2025 <br> Open-This loan failed the TRID total of payments test. (12 CFR §1026.18(o)(1))The total of payments is $xxx. The disclosed total of payments of $xxx is not considered accurate because it is understated by more than $xxx and the provided reimbursement amount of $0.00 is not sufficient to cure the inaccuracy.\*\*The loan failed the TRID Total of Payment test. In comparing with the lender's Loan Detail Report in the file, it is determined that the lender excluded Appraisal CDA/PDC fee of $xxx from their TOP calculations. - Due Diligence Vendor-01/30/2025 | Ready for Review-Document Uploaded. xxx - Uploaded revised PCCD/Check and tracking info. - Seller-03/01/2025 <br> Ready for Review-xxx - CDA/PDC fee has been there since the Initial LE (page 546) and not only added at the Final CD. - Seller-01/31/2025 | Resolved-Copy of restitution check in the amount of $xxx and proof of mailing has been provided. - Due Diligence Vendor-03/03/2025 | 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> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 660 By Twenty (20) or More Points<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.64 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 10.64 Years<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.83 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 95.37 Are Greater Than The Guideline Minimum Of 12 By Six (6) Or More Months |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 20250947 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 20250946 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 20251161 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 20251154 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 20250948 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 20251193 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 20251139 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 20251167 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 20251189 |  | xxx D B A | Closed | FPRO4876 | 2025-02-07 12:57 | 2025-06-02 13:38 | Waived | 2 - Non-Material D B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Waived- - Due Diligence Vendor-06/02/2025 <br> Waived-Per investor disaster guidance, property located outside of impact area per subject zip code and current fire maps. PDI not required at this time. <br> - Due Diligence Vendor-02/12/2025 <br> Ready for Review-Please refer to page 316 (supplemental addendum) of the loan package, stating "At time of inspection on xxx, there was no damage to the recent wildfires in the area." - Seller-02/12/2025 <br> Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Property located in FEMA declared disaster county. Disaster is ongoing. Inspection required after stated completion or end date per FEMA, subject to investor requirements. - Due Diligence Vendor-02/07/2025 | Ready for Review-Please refer to page 316 (supplemental addendum) of the loan package, stating "At time of inspection on xxx, there was no damage to the recent wildfires in the area." - Seller-02/12/2025 | Waived-Per investor disaster guidance, property located outside of impact area per subject zip code and current fire maps. PDI not required at this time. <br> - Due Diligence Vendor-02/12/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.53 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 29.99% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.82 Years |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | Originator Post-Close | No | xxx |
| 20251189 |  | xxx D B A | Closed | FCRE1479 | 2025-02-11 12:45 | 2025-02-12 08:37 | Resolved | 1 - Information C A | Credit | Assets | Asset 1 Does Not Meet Guideline Requirements | Resolved-Asset 1 Meets Guideline Requirements - Due Diligence Vendor-02/12/2025 <br> Ready for Review-Document Uploaded. - Seller-02/12/2025 <br> Open-Asset 1 Less Than 2 Months Verified Missing verification asset account with xxx ending #xxx was open for 60 days. The loan file contains a VOD dated xxx, but is missing an open date. Per guidelines, Acceptable Asset Statements (Account has to be opened more than 60 days): Bank Certification documenting current balance and opening date 2 months bank statement VOD Bank prepared and stamped 60 days transaction history print-out. - Due Diligence Vendor-02/11/2025 | Ready for Review-Document Uploaded. - Seller-02/12/2025<br>| Resolved-Asset 1 Meets Guideline Requirements - Due Diligence Vendor-02/12/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.53 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 29.99% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.82 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 20251189 |  | xxx D B A | Closed | FCRE7497 | 2025-02-11 10:40 | 2025-02-12 08:30 | 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 (escrowed) and property does not have HOA - Due Diligence Vendor-02/12/2025 <br> Ready for Review-Document Uploaded. - Seller-02/12/2025 <br> Ready for Review-Document Uploaded. Please note that xxx has no HOA payment., - Seller-02/12/2025 <br> Open-The net rental income (estimated) for Other investment property at xxx is -$xxx using the PITI payment per the mortgage statement p. 421 verifying escrows. However, lender guidelines required verification of the tax, insurance and HOA payment. - Due Diligence Vendor-02/11/2025 | Ready for Review-Document Uploaded. - Seller-02/12/2025 <br> Ready for Review-Document Uploaded. Please note that xxx has no HOA payment., - Seller-02/12/2025 | Resolved-Mortgage statement provided (escrowed) and property does not have HOA - Due Diligence Vendor-02/12/2025<br>| Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 12.53 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 29.99% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.01<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.82 Years |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 20251159 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 20251171 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 20251180 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 20251187 |  | xxx C A | Closed | FCRE5047 | 2025-02-11 11:21 | 2025-02-12 09:54 | Resolved | 1 - Information C A | Credit | Title | Amount of title insurance is less than mortgage amount | Resolved-Title Supplement provided. - Due Diligence Vendor-02/12/2025 <br>Ready for Review-Document Uploaded. - Seller-02/12/2025 <br>Open-Need updated title insurance policy showing dollar amount of coverage sufficient to cover loan amount. - Due Diligence Vendor-02/11/2025 | Ready for Review-Document Uploaded. - Seller-02/12/2025<br>| Resolved-Title Supplement provided. - Due Diligence Vendor-02/12/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 50.2 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 0.13<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 33.46% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 20251188 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 20251197 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 20251213 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 20251107 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 20251127 |  | xxx A | Closed | FCRE5116 | 2025-02-13 12:23 | 2025-02-14 13:39 | Resolved | 1 - Information A | Credit | Missing Doc | VOM or VOR missing/required | Resolved- - Due Diligence Vendor-02/14/2025 <br> Rescinded-VOR/VOM not required for land installment per xxx guidelines. - Due Diligence Vendor-02/14/2025 <br> Open-Verification of Rent (VOR)/Verification of Mortgage (VOM) Document is Missing. Missing 12 months cancelled checks or 12 months bank statements for the most recent 12 months mortgage payments for the subject property. Per lender guidelines, a Private Lender requires 12 months cancelled checks or 12 months bank statements to document mortgage. If mortgage rating is reported on Credit Supplement, then 12 months cancelled checks or 12 months bank statements are not required. The mortgage does it appear on the credit report, no supplement was provided. The monthly PITI payment per the Note provided is $xxx. - Due Diligence Vendor-02/13/2025 |  | Rescinded-VOR/VOM not required for land installment per xxx guidelines. - Due Diligence Vendor-02/14/2025 | Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 17.19% Is Less Than The Guideline Maximum Of 50% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | N/A | N/A | xxx |
| 20251146 |  | xxx D B A | Closed | FPRO4876 | 2025-02-11 13:18 | 2025-06-02 13:39 | Waived | 2 - Non-Material D B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Waived- - Due Diligence Vendor-06/02/2025 <br> Waived-Per investor disaster guidance, property located outside of impact area per subject zip code and current fire maps. PDI not required at this time. <br> - Due Diligence Vendor-02/18/2025 <br> Ready for Review-Document Uploaded. - Seller-02/14/2025 <br> Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Property located in FEMA declared disaster county. Disaster is ongoing. Inspection required after stated completion or end date per FEMA, subject to investor requirements - Due Diligence Vendor-02/11/2025 | Ready for Review-Document Uploaded. - Seller-02/14/2025<br>| Waived-Per investor disaster guidance, property located outside of impact area per subject zip code and current fire maps. PDI not required at this time. <br> - Due Diligence Vendor-02/18/2025<br>| Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.25<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 16.12% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 31.22% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<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 - 23.36 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 - 23.16 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 112.39 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 - 31 Years |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Originator Post-Close | No | xxx |
| 20251155 |  | xxx D A | Closed | FCOM1231 | 2025-02-13 12:59 | 2025-02-19 08:30 | Resolved | 1 - Information D A | Compliance | Missing Doc | The Initial 1003 is Missing | Resolved-File contains a Signature Cert from the LO located on page 23 in the original file for Initial 1003 - Due Diligence Vendor-02/19/2025 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-02/19/2025 <br>Ready for Review-Please refer to page 13-25 (Initial 1003) of the loan package. - Seller-02/13/2025 <br>Open-Please provide executed Initial 1003. Executed Initial 1003 is missing from the loan file. - Due Diligence Vendor-02/13/2025 | Ready for Review-Please refer to page 13-25 (Initial 1003) of the loan package. - Seller-02/13/2025<br>| Resolved-File contains a Signature Cert from the LO located on page 23 in the original file for Initial 1003 - Due Diligence Vendor-02/19/2025 <br>Resolved-The Initial 1003 is Present - Due Diligence Vendor-02/19/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 112.66 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 32.17% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 65% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 20251169 |  | xxx D B A | Closed | FPRO4876 | 2025-02-11 14:56 | 2025-06-02 13:40 | Waived | 2 - Non-Material D B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Waived- - Due Diligence Vendor-06/02/2025 <br> Resolved-Per xxx disaster guidance, property located outside of immediate impact area. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-02/14/2025 <br> Ready for Review-Document Uploaded. xxx - Uploaded DIR Cert - Seller-02/14/2025 <br> Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Property located in FEMA declared disaster county. Disaster is ongoing. Inspection required after stated completion or end date per FEMA, subject to investor requirements. - Due Diligence Vendor-02/11/2025 | Ready for Review-Document Uploaded. xxx - Uploaded DIR Cert - Seller-02/14/2025 | Resolved-Per xxx disaster guidance, property located outside of immediate impact area. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-02/14/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 52.27 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br>Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.98 Years<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 12.41 Years<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.25 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.08% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA | Originator Post-Close | No | xxx |
| 20251181 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 20251191 |  | xxx D A | Closed | FCRE6019 | 2025-02-12 15:26 | 2025-02-18 10:29 | Resolved | 1 - Information D A | Credit | Missing Doc - Credit | Borrower 1 Citizenship Documentation Not Provided | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-02/18/2025 <br> Ready for Review-Document Uploaded. xxx - Uploaded Green Card - Seller-02/14/2025 <br> Open-Borrower 1 Citizenship Documentation Is Missing Missing copy of Resident Alien card. The final loan application states the Borrower is a US Citizen; however, the USA Patriot Act form provided confirms the Borrower is Resident Alien. The loan file contains confirmation of the borrower's SSN is valid. - Due Diligence Vendor-02/12/2025 | Ready for Review-Document Uploaded. xxx - Uploaded Green Card - Seller-02/14/2025 | Resolved-Borrower 1 Citizenship Documentation Provided or Not Required - Due Diligence Vendor-02/18/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 43.96 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 20250950 |  | xxx D A | Closed | FCRE1198 | 2025-02-11 13:57 | 2025-02-14 07:50 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of xxx are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-02/14/2025 <br> Ready for Review-Document Uploaded. - Seller-02/14/2025 <br> Open-Audited Reserves of xxx are less than Guideline Required Reserves of 6 Provide documentation to support the purchase contract deposit of $xxx. - Due Diligence Vendor-02/11/2025 | Ready for Review-Document Uploaded. - Seller-02/14/2025<br>| Resolved-Audited Reserves of xxx are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-02/14/2025 | 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 - 28.83 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 - 28.82 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.59% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 20250950 |  | xxx D A | Closed | FCRE1815 | 2025-02-13 11:32 | 2025-02-14 07:49 | Resolved | 1 - Information D A | Credit | Missing Doc | Entity Formation Documents for Main Entity and/or Sub-Entity Incomplete | Resolved-Business Documents provided. - Due Diligence Vendor-02/14/2025 <br> Ready for Review-Document Uploaded. - Seller-02/14/2025 <br> Open-Missing Operating Agreement/equivalent, Articles of formation/equivalent, Certificate of good standing, and/or evidence of EIN Provide the EIN number for xxx. - Due Diligence Vendor-02/13/2025 | Ready for Review-Document Uploaded. - Seller-02/14/2025<br>| Resolved-Business Documents provided. - Due Diligence Vendor-02/14/2025<br>| Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 28.83 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 - 28.82 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 27.59% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 20251111 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 20251135 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Second Home | Purchase | NA |  |  |  |
| 20251138 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 20251150 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 20251152 |  | xxx C A | Closed | FCRE1726 | 2025-02-14 11:08 | 2025-02-19 10:52 | Resolved | 1 - Information C A | Credit | Borrower | Potential Identity Issues identified in the file | Resolved-I-797C form in file shows extension is up to 540 days - Due Diligence Vendor-02/19/2025 <br> Ready for Review-02/18 - You can see on Form I-797C that the automatic extension is up to 540 days - Seller-02/18/2025 <br> Open-Borrower is Non-perm Resident Alien. EAD card is showing expired as of xxx. (pg 284). <br> Per Guidelines: Non-Permanent Resident Aliens must provide the following: <br> o Acceptable Visa and/or EAD card with minimum 90 days remaining on expiration date at time of funding. EAD card with <br> less than 90 days remaining requires evidence of application for extension.<br> Unable to locate evidence of application for extension in file. <br> - Due Diligence Vendor-02/14/2025 | Ready for Review-xxx - You can see on Form I-797C that the automatic extension is up to 540 days - Seller-02/18/2025 | Resolved-I-797C form in file shows extension is up to 540 days - Due Diligence Vendor-02/19/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 40.11% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 20251156 |  | xxx D A | Closed | FCOM7607 | 2025-02-12 16:59 | 2025-03-04 08:05 | Resolved | 1 - Information D A | Compliance | Missing Doc | ROR missing critical data (expiration date / funding date) | Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-03/04/2025 <br> Ready for Review-Document Uploaded. - Seller-03/03/2025 <br> Counter-Correct NORTC provided xxx, also shows the Borrower exercised their "Right To Cancel". - Due Diligence Vendor-02/28/2025 <br> Ready for Review-Document Uploaded. - Seller-02/27/2025 <br> Counter-\*\*\*\*\*\*Sending a new Right to Cancel to the borrower for execution after consummation, re-opened the rescission period. Borrower exercised their "Right To Cancel". - Due Diligence Vendor-02/27/2025 <br> Ready for Review-Document Uploaded. - Seller-02/26/2025 <br> Open-ROR available on page 247, 248, however signing reflect xxx but cancel date reflect to xxx instead of xxx. Provide the cancel date reflect on xxx. - Due Diligence Vendor-02/12/2025 | Ready for Review-Document Uploaded. - Seller-03/03/2025 <br>Ready for Review-Document Uploaded. - Seller-02/27/2025 <br>Ready for Review-Document Uploaded. - Seller-02/26/2025<br>| Resolved-Documentation provided is sufficient. Thank you. - Due Diligence Vendor-03/04/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 43.18% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 39.76% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 89.27 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 0.04<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | N/A | N/A | xxx |
| 20251130 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 20251133 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 20251134 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other |  |  |  |
| 20251170 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 20251175 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 20251176 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 20251194 |  | xxx D B A | Closed | FPRO4876 | 2025-02-14 17:43 | 2025-06-02 13:41 | Waived | 2 - Non-Material D B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Waived- - Due Diligence Vendor-06/02/2025 <br> Waived-Per investor disaster guidance, property located outside of impact area per subject zip code and current fire maps. PDI not required at this time. - Due Diligence Vendor-03/07/2025 <br> Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Property located in FEMA declared disaster county. Disaster is ongoing. Inspection required after stated completion or end date per FEMA, subject to investor requirements. FEMA Disaster: xxx<br> xxx, Incident Period: xxx - xxx, Declaration Date: xxx. - Due Diligence Vendor-02/14/2025 |  | Waived-Per investor disaster guidance, property located outside of impact area per subject zip code and current fire maps. PDI not required at this time. - Due Diligence Vendor-03/07/2025<br>| Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 58.28% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 12.00 Years<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 27.01 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 - 32.00 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 - 27.76 Years<br>Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 7.84% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | xxx |
| 20251163 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 20251172 |  | xxx D A | Closed | FCRE7497 | 2025-02-14 06:19 | 2025-02-19 12:29 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing verification of taxes, insurance, and/or HOA fees for non-subject property | Resolved-Property report provided. - Due Diligence Vendor-02/19/2025 <br> Ready for Review-Document Uploaded. xxx - Uploaded property profile for xxx - Seller-02/19/2025 <br> Open-For property #xxx the tax document is missing - Due Diligence Vendor-02/14/2025 | Ready for Review-Document Uploaded. xxx - Uploaded property profile for xxx - Seller-02/19/2025 | Resolved-Property report provided. - Due Diligence Vendor-02/19/2025<br>| Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 42.05% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 5.00 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 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 - 9.12 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<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 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 20251182 |  | xxx D A | Closed | FCRE1468 | 2025-02-14 01:56 | 2025-02-21 08:35 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 2 Missing | Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-02/21/2025 <br> Ready for Review-Document Uploaded. - Seller-02/20/2025 <br> Open-Asset 2 Missing Proceeds from sale of property - Missing final settlement statement showing net proceeds in the amount of $xxx - Due Diligence Vendor-02/14/2025 | Ready for Review-Document Uploaded. - Seller-02/20/2025<br>| Resolved-Asset 2 Provided Or Not Applicable - Due Diligence Vendor-02/21/2025<br>| Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 34.78 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 - 10.00 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 - 15.84 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 0.02 |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 20250949 |  | xxx D A C | Closed | FCRE1469 | 2025-02-14 03:10 | 2025-02-20 09:57 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 3 Missing | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-02/20/2025 <br> Ready for Review-Document Uploaded. xxx: Please see attached revised final 1003. Final funds came from xxx and end up not using those xxx gift. - Seller-02/20/2025 <br> Open-Asset 3 Missing Missing Gift Letter - Due Diligence Vendor-02/14/2025 | Ready for Review-Document Uploaded. xxx: Please see attached revised final 1003. Final funds came from xxx and end up not using those xxx gift. - Seller-02/20/2025 | Resolved-Asset 3 Provided Or Not Applicable - Due Diligence Vendor-02/20/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.58 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.12 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 20250949 |  | xxx D A C | Closed | FCOM4227 | 2025-02-14 08:52 | 2025-02-20 08:21 | Resolved | 1 - Information C A | Compliance | TRID | TRID: Missing Closing Disclosure | Resolved-FCD_ received, data entered, no additional compliance findings. - Due Diligence Vendor-02/20/2025 <br> Ready for Review-Document Uploaded. Please see attached Final CD, Disbursement Date and Funded Date same xxx. - Seller-02/19/2025 <br> Open-Final Closing Disclosure Missing \*\*Lender to provide copy of the Final CD and evidence of correct disbursement date. - Due Diligence Vendor-02/19/2025 | Ready for Review-Document Uploaded. Please see attached Final CD, Disbursement Date and Funded Date same xxx. - Seller-02/19/2025 | Resolved-FCD_ received, data entered, no additional compliance findings. - Due Diligence Vendor-02/20/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 24.58 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 6.12 Years<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.06 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 20251192 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated |  |  |  |
| 20251200 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 20251201 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 20251207 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA |  |  |  |
| 20250951 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 20251209 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 20251210 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 20251211 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 20251214 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 20251216 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 20251119 |  | xxx D B A | Closed | FPRO4876 | 2025-02-19 16:28 | 2025-06-02 13:42 | Waived | 2 - Non-Material D B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Waived- - Due Diligence Vendor-06/02/2025 <br> Resolved-Per xxx disaster guidance, property located outside of immediate impact area. PDI reflects no damage or impact to marketability and is acceptable - DIR located in original file page 293. - Due Diligence Vendor-02/20/2025 <br> Ready for Review-xxx: DIR cert in included on loan package showing no damage, see pages 293-296. - Seller-02/20/2025 <br> Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. - Due Diligence Vendor-02/19/2025 | Ready for Review-xxx: DIR cert in included on loan package showing no damage, see pages 293-296. - Seller-02/20/2025 | Resolved-Per xxx disaster guidance, property located outside of immediate impact area. PDI reflects no damage or impact to marketability and is acceptable - DIR located in original file page 293. - Due Diligence Vendor-02/20/2025 | 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 0.2<br>Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 64.97% Is Below The Guideline Maximum Of 75% By Ten Percent (10%) Or More<br>Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.35 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 39.46% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br>Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 11.50 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 - 5.16 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | No Cash Out - Borrower Initiated | Originator Post-Close | No | xxx |
| 20251128 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other |  |  |  |
| 20251151 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 20251196 |  | xxx D A | Closed | FCRE1467 | 2025-02-19 16:32 | 2025-02-25 09:24 | Resolved | 1 - Information D A | Credit | Missing Doc - Assets | Asset 1 Missing | Resolved-Asset 1 Provided - Due Diligence Vendor-02/25/2025 <br> Ready for Review-Document Uploaded. xxx - Uploaded rebuttal - Seller-02/25/2025 <br> Counter-Document Uploaded. Per xxx Guidelines: Acceptable Asset Statements (Account has to be opened more than 60 days): Bank Certification documenting current balance and opening date - 2 months bank statement - VOD - Bank prepared and stamped 60 days transaction history print-out. Missing full statement for xxx #xxx - File only contains 1 Full statement from xxx-xxx - Due Diligence Vendor-02/21/2025 <br> Ready for Review-xxx - We do not need 2 consecutive months for bank statements. The purpose for the 2 months requiring is to see 2 month bank statement"seasoning" - Seller-02/20/2025 <br> Open-Asset 1 Less Than 2 Months Verified The guidelines require 2 months bank statements. The file contains one full statement for xxx #xxx from xxx xxx-xxx - xxx xxx, xxx and a partial statement covering xxx, xxx- xxx,xxx. - Due Diligence Vendor-02/19/2025 | Ready for Review-Document Uploaded. xxx - Uploaded rebuttal - Seller-02/25/2025 <br> Ready for Review-xxx - We do not need 2 consecutive months for bank statements. The purpose for the 2 months requiring is to see 2 month bank statement"seasoning" - Seller-02/20/2025 | Resolved-Asset 1 Provided - Due Diligence Vendor-02/25/2025<br>| Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 7.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 15.91 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 - 26.25 Years<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 15.38 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 19.74% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Purchase | NA | N/A | N/A | xxx |
| 20251219 |  | xxx D A | Closed | FCRE7347 | 2025-02-19 13:29 | 2025-02-21 10:57 | Resolved | 1 - Information D A | Credit | Missing Doc | Missing Lease Agreement | Resolved-Lease Agreements & Zillow (internet search) provided for xxx and xxx - Due Diligence Vendor-02/21/2025 <br> Ready for Review-Document Uploaded. xxx - Uploaded lease agreement & zillow for xxx, xxx, xxx<br> xxx, xxx - Seller-02/21/2025 <br> Open-Rental income should be verified from executed lease agreement(s) and internet searches (i.e. Zillow, rentometer, etc) and the lower rental income will be used for qualifying. Missing internet searches for the following properties: xxx, xxx<br> - Due Diligence Vendor-02/19/2025 | Ready for Review-Document Uploaded. xxx - Uploaded lease agreement & zillow for xxx, xxx, xxx<br> xxx, xxx- Seller-02/21/2025 | Resolved-Lease Agreements & Zillow (internet search) provided for xxx and xxx - Due Diligence Vendor-02/21/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 18.24 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 - Validated Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.05 |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 20251126 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 20251140 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 20251183 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 20251203 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |
| 20251218 |  | xxx C A | Closed | FCRE1501 | 2025-02-20 09:59 | 2025-02-24 08:44 | Resolved | 1 - Information C A | Credit | Borrower | Borrower Identification Documentation Partially Provided | Resolved-US Patriot Act form states xxx - Due Diligence Vendor-02/24/2025 <br> Ready for Review-Rebuttal/Comment: Please note that the date on Patriot Act is actually xxx - Seller-02/22/2025 <br> Open-xxx xxx Drivers License is expired as of xxx - Due Diligence Vendor-02/20/2025 | Ready for Review-Rebuttal/Comment: Please note that the date on Patriot Act is actually xxx - Seller-02/22/2025 | Resolved-US Patriot Act form states xxx - Due Diligence Vendor-02/24/2025 | Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 2 Has Stable Job Time Of Five (5) Or More Years At Current Job - 5.11 Years<br> Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - Borrower 1 Has Stable Time In Profession By Ten (10) Years Or More - 10.00 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 - 6.90 Years<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 70% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 37.82% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Low Credit Usage Ratio Of Twenty-Five Percent (25%) Or Less - Credit Line Usage Ratio equals 0.08 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 20251220 |  | xxx D B A | Closed | FPRO4876 | 2025-02-19 15:41 | 2025-06-02 13:42 | Waived | 2 - Non-Material D B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Waived-Per investor disaster guidance, property located outside of impact area per subject zip code and current fire maps. PDI not required at this time. <br> - Due Diligence Vendor-02/24/2025 <br> Ready for Review-xxx - Please note that appraisal date is xxx. Also, see page 225 of the loan package showing appraiser comment: Per exterior and interior inspection, there is no obvious damage to the subject's roof or any part of the structure. There is no obvious damage to any properties on the subject's street or within the neighborhood at the time of inspection. The recently declared FEMA Disaster area disaster (fire) declaration had no Affect on value or marketability of the subjects or the homes within the neighborhood. - Seller-02/21/2025 <br> Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Property located in FEMA designated disaster area. Post-Disaster Inspection needed - Due Diligence Vendor-02/19/2025 | Ready for Review-xxx - Please note that appraisal date is xxx. Also, see page 225 of the loan package showing appraiser comment: Per exterior and interior inspection, there is no obvious damage to the subject's roof or any part of the structure. There is no obvious damage to any properties on the subject's street or within the neighborhood at the time of inspection. The recently declared FEMA Disaster area disaster (fire) declaration had no Affect on value or marketability of the subjects or the homes within the neighborhood. - Seller-02/21/2025 | Waived-Per investor disaster guidance, property located outside of impact area per subject zip code and current fire maps. PDI not required at this time. <br> - Due Diligence Vendor-02/24/2025<br>| Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 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 - 11.00 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.64 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 - 10.00 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 0.2 |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Refinance | Cash Out - Other | Investor Post-Close | No | xxx |
| 20251185 |  | xxx D B A | Closed | FPRO4876 | 2025-02-21 16:28 | 2025-06-02 13:43 | Waived | 2 - Non-Material D B | Property | Missing Doc - Third Party Valuation | Property located in a FEMA Declared Disaster area. | Waived- - Due Diligence Vendor-06/02/2025 <br> Resolved-Per xxx disaster guidance, property located outside of immediate impact area. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-02/24/2025 <br> Ready for Review-Document Uploaded. xxx - Uploaded DIR Cert - Seller-02/21/2025 <br> Ready for Review-xxx - Please note that appraisal date is xxx. Also, see page 225 of the loan package showing appraiser comment: Per exterior and interior inspection, there is no obvious damage to the subject's roof or any part of the structure. There is no obvious damage to any properties on the subject's street or within the neighborhood at the time of inspection. The recently declared FEMA Disaster area disaster (fire) declaration had no Affect on value or marketability of the subjects or the homes within the neighborhood. - Seller-02/21/2025 <br> Open-Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. Property is located in a FEMA Declared Disaster area and requires a post-disaster inspection. - Due Diligence Vendor-02/21/2025 | Ready for Review-Document Uploaded. xxx - Uploaded DIR Cert - Seller-02/21/2025 <br> Ready for Review-xxx - Please note that appraisal date is xxx. Also, see page 225 of the loan package showing appraiser comment: Per exterior and interior inspection, there is no obvious damage to the subject's roof or any part of the structure. There is no obvious damage to any properties on the subject's street or within the neighborhood at the time of inspection. The recently declared FEMA Disaster area disaster (fire) declaration had no Affect on value or marketability of the subjects or the homes within the neighborhood. - Seller-02/21/2025 | Resolved-Per xxx disaster guidance, property located outside of immediate impact area. PDI reflects no damage or impact to marketability and is acceptable - Due Diligence Vendor-02/24/2025 | Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Calculated DTI Is Less Than The Guideline Maximum By Five Percent (5%) Or More - Calculated DTI Of 38.34% Is Less Than The Guideline Maximum Of 49% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 16.25 Years<br> Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 75.19 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | xxx | xxx | Investment | Refinance | Cash Out - Other | Originator Post-Close | No | xxx |
| 20251148 |  | xxx C A | Closed | FCRE1198 | 2025-02-21 14:47 | 2025-02-26 12:29 | Resolved | 1 - Information C A | Credit | Eligibility | Audited Reserves are less than Guideline Required Reserves (Number of Months) | Resolved-Audited Reserves of xxx are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-02/26/2025 <br> Ready for Review-02/25 - We do not need 2 consecutive months for bank statements. The purpose for the 2 months requiring is to see 2 month bank statement"seasoning" - Seller-02/26/2025 <br> Open-Audited Reserves of are less than Guideline Required Reserves of 6 xxx savings account #xxx &Money market account #xxx transaction history not shows in the provided statement, need transaction history to verify the asset for both accounts. - Due Diligence Vendor-02/21/2025 | Ready for Review-xxx - We do not need 2 consecutive months for bank statements. The purpose for the 2 months requiring is to see 2 month bank statement"seasoning" - Seller-02/26/2025 | Resolved-Audited Reserves of xxx are greater than or equal to Guideline Required Reserves of 6 - Due Diligence Vendor-02/26/2025 | Months Reserves Are Greater Than The Guideline Minimum By Six (6) Or More Months - Months Reserves Of 30.64 Are Greater Than The Guideline Minimum Of 6 By Six (6) Or More Months<br> Qualifying FICO is Greater Than The Guideline Minimum By Twenty (20) or More Points - Qualifying FICO Of xxx is Greater Than The Guideline Minimum Of 700 By Twenty (20) or More Points<br> Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - Borrower 1 Has Stable Job Time Of Five (5) Or More Years At Current Job - 31.30 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> Original LTV Is Below The Guideline Maximum By Ten Percent (10%) Or More - Original LTV Of 50% Is Below The Guideline Maximum Of 80% By Ten Percent (10%) Or More<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 49% By Five Percent (5%) Or More<br> Borrower At Current Residence For Five (5) Or More Years - Borrower At Current Residence For Five (5) Or More Years - 29 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 - 31.30 Years |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA | N/A | N/A | xxx |
| 20251202 |  | xxx A |  |  |  |  |  | A |  |  |  |  |  |  |  |  |  | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | xxx | xxx | Primary Residence | Purchase | NA |  |  |  |

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## Exhibit 99.24

[GCAT DEPOSITOR VI LLC ABS-15G](gcatnqm-abs15g.htm)

**Exhibit 99.24**

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| | | | |
|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Original Loan Amount** |
| 20250873 |  | xxx | xxx A |
| 20250885 |  | xxx | xxx A |
| 20250915 |  | xxx | xxx A |
| 20250848 |  | xxx | xxx A |
| 20250849 |  | xxx | xxx C A |
| 20250863 |  | xxx | xxx A |
| 20250866 |  | xxx | xxx C A |
| 20250872 |  | xxx | xxx A |
| 20250891 |  | xxx | xxx A |
| 20250897 |  | xxx | xxx A |
| 20250901 |  | xxx | xxx D A |
| 20250905 |  | xxx | xxx A |
| 20250908 |  | xxx | xxx A |
| 20250918 |  | xxx | xxx A |
| 20250920 |  | xxx | xxx A |
| 20250853 |  | xxx | xxx A |
| 20250880 |  | xxx | xxx A |
| 20250869 |  | xxx | xxx D C A B |
| 20250903 |  | xxx | xxx A |
| 20250935 |  | xxx | xxx A |
| 20250942 |  | xxx | xxx A |
| 20250851 |  | xxx | xxx A |
| 20250892 |  | xxx | xxx A |
| 20250910 |  | xxx | xxx A |
| 20250912 |  | xxx | xxx A C |
| 20250860 |  | xxx | xxx A D B |
| 20250870 |  | xxx | xxx C A |
| 20250881 |  | xxx | xxx A |
| 20250899 |  | xxx | xxx C A |
| 20250904 |  | xxx | xxx A |
| 20250923 |  | xxx | xxx A |
| 20250930 |  | xxx | xxx D A |
| 20250933 |  | xxx | xxx A |
| 20250882 |  | xxx | xxx A D B |
| 20250889 |  | xxx | xxx A |
| 20250902 |  | xxx | xxx A |
| 20250926 |  | xxx | xxx C A |
| 20250944 |  | xxx | xxx A D B |
| 20250898 |  | xxx | xxx A |
| 20250900 |  | xxx | xxx D A |
| 20250913 |  | xxx | xxx A C |
| 20250927 |  | xxx | xxx A D B |
| 20250937 |  | xxx | xxx A |
| 20250859 |  | xxx | xxx A C B |
| 20250862 |  | xxx | xxx A |
| 20250887 |  | xxx | xxx A D B |
| 20250890 |  | xxx | xxx A |
| 20250925 |  | xxx | xxx A |
| 20250929 |  | xxx | xxx A |
| 20250850 |  | xxx | xxx A |
| 20250878 |  | xxx | xxx A |
| 20250928 |  | xxx | xxx A C |
| 20250868 |  | xxx | xxx D A |
| 20250852 |  | xxx | xxx D A |
| 20250886 |  | xxx | xxx D A B |
| 20251165 |  | xxx | xxx A C |
| 20250947 |  | xxx | xxx A |
| 20250946 |  | xxx | xxx A |
| 20251161 |  | xxx | xxx A |
| 20251154 |  | xxx | xxx A |
| 20250948 |  | xxx | xxx A |
| 20251193 |  | xxx | xxx A |
| 20251139 |  | xxx | xxx A |
| 20251167 |  | xxx | xxx A |
| 20251189 |  | xxx | xxx D A B |
| 20251159 |  | xxx | xxx A |
| 20251171 |  | xxx | xxx A |
| 20251180 |  | xxx | xxx A |
| 20251187 |  | xxx | xxx C A |
| 20251188 |  | xxx | xxx A |
| 20251197 |  | xxx | xxx A |
| 20251213 |  | xxx | xxx A |
| 20251107 |  | xxx | xxx A |
| 20251127 |  | xxx | xxx A |
| 20251146 |  | xxx | xxx A D B |
| 20251155 |  | xxx | xxx A D |
| 20251169 |  | xxx | xxx A D B |
| 20251181 |  | xxx | xxx A |
| 20251191 |  | xxx | xxx D A |
| 20250950 |  | xxx | xxx D A |
| 20251111 |  | xxx | xxx A |
| 20251135 |  | xxx | xxx A |
| 20251138 |  | xxx | xxx A |
| 20251150 |  | xxx | xxx A |
| 20251152 |  | xxx | xxx C A |
| 20251156 |  | xxx | xxx A D |
| 20251130 |  | xxx | xxx A |
| 20251133 |  | xxx | xxx A |
| 20251134 |  | xxx | xxx A |
| 20251170 |  | xxx | xxx A |
| 20251175 |  | xxx | xxx A |
| 20251176 |  | xxx | xxx A |
| 20251194 |  | xxx | xxx A D B |
| 20251163 |  | xxx | xxx A |
| 20251172 |  | xxx | xxx D A |
| 20251182 |  | xxx | xxx D A |
| 20250949 |  | xxx | xxx D C A |
| 20251192 |  | xxx | xxx A |
| 20251200 |  | xxx | xxx A |
| 20251201 |  | xxx | xxx A |
| 20251207 |  | xxx | xxx A |
| 20250951 |  | xxx | xxx A |
| 20251209 |  | xxx | xxx A |
| 20251210 |  | xxx | xxx A |
| 20251211 |  | xxx | xxx A |
| 20251214 |  | xxx | xxx A |
| 20251216 |  | xxx | xxx A |
| 20251119 |  | xxx | xxx A D B |
| 20251128 |  | xxx | xxx A |
| 20251151 |  | xxx | xxx A |
| 20251196 |  | xxx | xxx D A |
| 20251219 |  | xxx | xxx D A |
| 20251126 |  | xxx | xxx A |
| 20251140 |  | xxx | xxx A |
| 20251183 |  | xxx | xxx A |
| 20251203 |  | xxx | xxx A |
| 20251218 |  | xxx | xxx C A |
| 20251220 |  | xxx | xxx A D B |
| 20251185 |  | xxx | xxx A D B |
| 20251148 |  | xxx | xxx C A |
| 20251202 |  | xxx | xxx A |

---

## Exhibit 99.25

[GCAT DEPOSITOR VI LLC ABS-15G](gcatnqm-abs15g.htm)

**Exhibit 99.25**

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| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Completion Report (1004D) Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 20250873 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 36.5 | 36.5 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 20250885 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 60.0 | 60.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | xxx | Not Eligible | 1 | xxx |
| 20250915 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | xxx | Not Eligible | 1.1 | xxx |
| 20250848 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1 | xxx |
| 20250849 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1 | xxx |
| 20250863 |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | xxx | .0465 | Collateral Underwriter (CU) |  |  |  |  | xxx | xxx | .0465 | xxx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | Not Eligible | 2.8 | xxx |
| 20250866 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 51.37 | 51.37 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1.7 | xxx |
| 20250872 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 52.83 | 52.83 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1.9 | xxx |
| 20250891 |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1 | xxx |
| 20250897 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 50.0 | 50.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | Not Eligible | 1 | xxx |
| 20250901 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 60.0 | 60.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | xxx | Not Eligible | 1 | xxx |
| 20250905 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1.1 | xxx |
| 20250908 |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 65.0 | 65.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1 | xxx |
| 20250918 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1.3 | xxx |
| 20250920 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1.4 | xxx |
| 20250853 |  | xxx | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 55.74 | 59.43 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1.4 | xxx |
| 20250880 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 59.68 | 59.68 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 20250869 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | xxx |
| 20250903 |  | xxx | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 54.72 | 54.72 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | xxx | Not Eligible | 1 | xxx |
| 20250935 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1 | xxx |
| 20250942 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | xxx | Not Eligible | 1.8 | xxx |
| 20250851 |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | xxx | .0101 | Collateral Underwriter (CU) |  |  |  |  | xxx | xxx | .0101 | xxx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | xxx | Not Eligible | 1 | xxx |
| 20250892 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 20250910 |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | xxx | Not Eligible | 1.5 | xxx |
| 20250912 |  | xxx | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 69.23 | 69.23 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1 | xxx |
| 20250860 |  | xxx | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 65.0 | 65.0 | xxx | xxx | .1719 | Collateral Underwriter (CU) |  |  |  |  | xxx | xxx | .1719 | xxx | 1004 URAR |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | xxx |
| 20250870 |  | xxx | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1.8 | xxx |
| 20250881 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 2 | xxx |
| 20250899 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx | Not Eligible | 1 | xxx |
| 20250904 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1.3 | xxx |
| 20250923 |  | xxx | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | xxx |
| 20250930 |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | xxx | Not Eligible | 1 | xxx |
| 20250933 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible |  |  |
| 20250882 |  | xxx | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 56.93 | 56.93 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1 | xxx |
| 20250889 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | xxx | Not Eligible | 1 | xxx |
| 20250902 |  | xxx | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx | Not Eligible | 1.4 | xxx |
| 20250926 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 77.01 | 77.01 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 20250944 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | 61.29 | 61.29 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1 | xxx |
| 20250898 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1.5 | xxx |
| 20250900 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx |
| 20250913 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 2.5 | xxx |
| 20250927 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 20250937 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1.9 | xxx |
| 20250859 |  | xxx | xxx | xxx |  | 0 | xxx | xxx | 1025 Small Residential Income Report | xxx | 41.94 | 41.94 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| 20250862 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1 | xxx |
| 20250887 |  | xxx | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 48.19 | 48.19 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1.1 | xxx |
| 20250890 |  | xxx | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1.6 | xxx |
| 20250925 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1.5 | xxx |
| 20250929 |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible |  |  |
| 20250850 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | 50.0 | 50.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 20250878 |  | xxx | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 51.42 | 51.42 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 2.1 | xxx |
| 20250928 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 69.44 | 69.44 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1 | xxx |
| 20250868 |  | xxx | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 63.68 | 63.68 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 20250852 |  | xxx | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | xxx |
| 20250886 |  | xxx | xxx | xxx |  | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | 65.0 | 65.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1 | xxx |
| 20251165 |  | xxx | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 65.0 | 65.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | xxx |
| 20250947 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | Not Eligible | 1 | xxx |
| 20250946 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1073 Individual Condo Report | xxx | 61.54 | 61.54 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx | Not Eligible | 1 | xxx |
| 20251161 |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 20251154 |  | xxx | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 20250948 |  | xxx | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 65.0 | 65.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.6 | xxx |
| 20251193 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 20251139 |  | xxx | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 62.1 | 62.1 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 5 | xxx | Not Eligible | 1 | xxx |
| 20251167 |  | xxx | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1 | xxx |
| 20251189 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 20251159 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 20251171 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 49.28 | 49.28 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 2.6 | xxx |
| 20251180 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | xxx | Not Eligible | 1 | xxx |
| 20251187 |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | xxx |
| 20251188 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.6 | xxx |
| 20251197 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 57.58 | 57.58 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 20251213 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1.1 | xxx |
| 20251107 |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 20251127 |  | xxx | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 60.48 | 60.48 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1 | xxx |
| 20251146 |  | xxx | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 31.22 | 31.22 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | xxx | Not Eligible | 1 | xxx |
| 20251155 |  | xxx | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 65.0 | 65.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | xxx |
| 20251169 |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | xxx | Not Eligible | 2.5 | xxx |
| 20251181 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 20251191 |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 73.17 | 73.17 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | xxx | Not Eligible | 1 | xxx |
| 20250950 |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx | Not Eligible | 1 | xxx |
| 20251111 |  | xxx | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 68.21 | 70.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.1 | xxx |
| 20251135 |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 20251138 |  | xxx | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 51.06 | 51.06 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4 | xxx | Not Eligible | 1 | xxx |
| 20251150 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 2.9 | xxx |
| 20251152 |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1 | xxx |
| 20251156 |  | xxx | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 43.18 | 43.18 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 2.1 | xxx |
| 20251130 |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1 | xxx |
| 20251133 |  | xxx | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 65.0 | 65.0 | xxx | xxx | -.0968 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | xxx | -.0968 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.9 | xxx |
| 20251134 |  | xxx | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 65.0 | 65.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | xxx |
| 20251170 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | xxx | Not Eligible | 1.9 | xxx |
| 20251175 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1 | xxx |
| 20251176 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1 | xxx |
| 20251194 |  | xxx | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 58.28 | 58.28 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | xxx | Not Eligible | 1.9 | xxx |
| 20251163 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1 | xxx |
| 20251172 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | xxx | -.0141 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1.5 | xxx |
| 20251182 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 20250949 |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 2.6 | xxx |
| 20251192 |  | xxx | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 62.96 | 62.96 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1.5 | xxx |
| 20251200 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1.4 | xxx |
| 20251201 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 44.45 | 44.45 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 2.3 | xxx |
| 20251207 |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 1073 Individual Condo Report | xxx | 68.25 | 68.25 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | xxx | Not Eligible | 1.9 | xxx |
| 20250951 |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 85.0 | 85.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | xxx | Not Eligible | 1 | xxx |
| 20251209 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | xxx |
| 20251210 |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 20251211 |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 61.9 | 61.9 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | xxx | Not Eligible | 1.9 | xxx |
| 20251214 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 53.01 | 53.01 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2 | xxx | Eligible | 1.9 | xxx |
| 20251216 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 52.19 | 52.19 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Moderate Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx |
| 20251119 |  | xxx | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 64.97 | 64.97 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 20251128 |  | xxx | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 64.47 | 64.47 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1 | xxx |
| 20251151 |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.3 | xxx |
| 20251196 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 1 | xxx |
| 20251219 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Loan Collateral Advisor (LCA) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.5 | xxx | Eligible | 2.6 | xxx |
| 20251126 |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 65.0 | 65.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 0 | xxx | Not Eligible | 1 | xxx |
| 20251140 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 60.09 | 60.09 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.5 | xxx | Eligible | 1 | xxx |
| 20251183 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 47.37 | 47.37 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | Low Risk | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx |
| 20251203 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 73.0 | 73.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 20251218 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | xxx | Eligible | 1 | xxx |
| 20251220 |  | xxx | xxx | xxx |  | 0 | xxx | xxx | 1004 URAR | xxx | 75.0 | 75.0 | xxx | 0 | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | xxx | 0 | .0000 | xxx | LOW RISK | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | xxx |
| 20251185 |  | xxx | xxx | xxx |  | xxx | xxx | xxx | 1004 URAR | xxx | 70.0 | 70.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 4.5 | xxx | Not Eligible | 1 | xxx |
| 20251148 |  | xxx | xxx | xxx | xxx | 0 | xxx | xxx | 1004 URAR | xxx | 50.0 | 50.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3 | xxx | Not Eligible | 1 | xxx |
| 20251202 |  | xxx | xxx | xxx | xxx | xxx | xxx | xxx | 1004 URAR | xxx | 80.0 | 80.0 | xxx | 0 | .0000 | Collateral Underwriter (CU) |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.5 | xxx | Not Eligible | 2.3 | xxx |

---

## Exhibit 99.26

[GCAT DEPOSITOR VI LLC ABS-15G](gcatnqm-abs15g.htm)

**Exhibit 99.26**

---

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| **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?** |
| 20250873 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20250885 | xxx |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 20250915 | xxx |  | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20250848 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20250849 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 20250863 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20250866 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | Yes |  | No |  |
| 20250872 | xxx |  | xxx | 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 | xxx | N/A | Employed |  | Yes |  | Yes | Present |
| 20250891 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20250897 | xxx |  | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 20250901 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20250905 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 20250908 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 20250918 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20250920 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 20250853 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 20250880 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed | Employed | No | No | No |  |
| 20250869 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20250903 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20250935 | xxx |  | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 20250942 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 20250851 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20250892 | xxx |  | xxx | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 20250910 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20250912 | xxx |  | xxx | 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 | Not Tested |  | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20250860 | xxx |  | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20250870 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20250881 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20250899 | xxx |  | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20250904 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20250923 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20250930 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20250933 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 20250882 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20250889 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20250902 | xxx |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx | N/A | Employed | Not Employed | No | No | Yes | Present |
| 20250926 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20250944 | xxx |  | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20250898 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 20250900 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20250913 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20250927 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20250937 | xxx |  | xxx | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 20250859 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20250862 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20250887 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20250890 | xxx |  | xxx | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 20250925 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20250929 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20250850 | xxx |  | xxx | 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 | xxx | N/A | Employed |  | Yes |  | Yes | Present |
| 20250878 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20250928 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20250868 | xxx |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 20250852 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20250886 | xxx |  | xxx | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 20251165 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20250947 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 20250946 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20251161 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20251154 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20250948 | xxx |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 20251193 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20251139 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20251167 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20251189 | xxx |  | xxx | 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 | xxx | N/A | Employed | Not Employed | No | No | Yes | Present |
| 20251159 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 20251171 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 20251180 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20251187 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20251188 | xxx |  | xxx | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 20251197 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20251213 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20251107 | xxx |  | xxx | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 20251127 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20251146 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Not Employed | No | No | No |  |
| 20251155 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20251169 | xxx |  | xxx | Non-QM: Lender documented all ATR UW factors | Non-QM: Lender documented all ATR UW factors | No | Appendix Q Documentation | Yes | No | No | No | No | No | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | Yes |  | No |  |
| 20251181 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20251191 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20250950 | xxx |  | xxx | 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 | xxx | N/A | Employed |  | Yes |  | Yes | Present |
| 20251111 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | Yes | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20251135 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 20251138 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20251150 | xxx |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 20251152 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20251156 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20251130 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20251133 | xxx |  | xxx | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 20251134 | xxx |  | xxx | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 20251170 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20251175 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20251176 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20251194 | xxx |  | xxx | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 20251163 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20251172 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20251182 | xxx |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 20250949 | xxx |  | xxx | 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 | Not Tested |  | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20251192 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20251200 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 20251201 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20251207 | xxx |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 20250951 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20251209 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20251210 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 20251211 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 20251214 | xxx |  | xxx | 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 | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 20251216 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20251119 | xxx |  | xxx | 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 | Yes | No | No | No | No | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 20251128 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20251151 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20251196 | xxx |  | xxx | ATR/QM: Not Applicable | ATR/QM: Not Applicable | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 20251219 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20251126 | xxx |  | xxx | 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 | Not Tested |  | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20251140 | xxx |  | xxx | 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 | Not Tested |  | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20251183 | xxx |  | xxx | 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 | Not Tested |  | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20251203 | xxx |  | xxx | 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 | Not Tested | xxx | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20251218 | xxx |  | xxx | 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 | Not Tested |  | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed | Employed | No | No | No |  |
| 20251220 | xxx |  | xxx | 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 | Not Tested |  | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | Yes | xxx | N/A | Employed |  | No |  | No |  |
| 20251185 | xxx |  | xxx | 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 | xxx | N/A | Employed |  | No |  | Yes | Present |
| 20251148 | xxx |  | xxx | 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 | Not Tested |  | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |
| 20251202 | xxx |  | xxx | 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 | Not Tested |  | xxx | Yes | Yes | N/A | Yes | Yes | Yes | N/A | Yes | Yes | N/A | xxx | N/A | Employed |  | No |  | No |  |

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## Exhibit 99.27

[GCAT DEPOSITOR VI LLC ABS-15G](gcatnqm-abs15g.htm)

**Exhibit 99.27**

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| | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Transaction ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 20250859 |  | xxx | xxx | Borrower 1 Qualifying Income | xxx | xxx |  |
| 20251161 |  | xxx | xxx | First Payment Date | xxx | xxx |  |
| 20251161 |  | xxx | xxx | Maturity Date | xxx | xxx |  |
| 20250860 |  | xxx | xxx | Note Date | xxx | xxx |  |
| 20251161 |  | xxx | xxx | Note Date | xxx | xxx |  |
| 20250851 |  | xxx | xxx | Primary Appraised Property Value | xxx | xxx |  |
| 20250897 |  | xxx | xxx | Qualifying LTV | 50.0 | 50.02 |  |
| 20250928 |  | xxx | xxx | Qualifying LTV | 69.44 | 68.49 |  |
| 20250902 |  | xxx | xxx | Qualifying Total Debt Income Ratio | 44.07 | 49.46 |  |
| 20250913 |  | xxx | xxx | Qualifying Total Debt Income Ratio | 27.55 | 22.71 |  |

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## Exhibit 99.28

[GCAT DEPOSITOR VI LLC ABS-15G](gcatnqm-abs15g.htm)

**Exhibit 99.28**

---

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| **Loan ID** | **Seller Loan ID** | **Investor Loan ID** | **Loan Program** | **Guideline Product Name** | **Originator Name** | **Originating Entity CDFI Flag** | **Guideline Name** | **Guideline Author** | **Guideline Date** | **Guideline Version** | **Application Date** | **TILA Status** | **TRID** | **GSE** | **Verified Safe Harbor Flag** | **Verified Safe Harbor Reference Document** | **QM Regulation Failures** | **ATR QM Total Points and Fees Audit** | **Loan Regulation Benchmark Date** | **Benchmark Rate** | **AUS Decision System** | **Rating Result** | **Property Inspection Waiver (PIW)** | **Calculated APR** | **HUD 1 Page 1 Credits Total** | **Verified Qualifying Rate** | **Originator Qualifying Rate** | **Qualifying P&I** | **Default Interest Rate Present** | **Annual Property Tax** | **Monthly Property Tax** | **Annual Insurance Costs** | **Monthly Insurance Cost** | **Annual HOA Costs** | **Monthly HOA Costs** | **Monthly Other Costs** | **PITIA** | **Residual Income** | **HOA Name** | **HOA Address State** | **HOA Fee Amount** | **HOA Next Due Date** | **HOA Payment Frequency** | **Originator DTI** | **TPR Verified DTI** | **QM DTI** | **Is Borrower Non Occupant** | **Is Co Borrower Non Occupant** | **Co Borrower 2 Asset Verification Level** | **Co Borrower 3 Asset Verification Level** | **Co Borrower 2 Income Verification Level** | **Co Borrower 3 Income Verification Level** | **Co Borrower 2 Employment Verification Level** | **Co Borrower 3 Employment Verification Level** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Co Borrower 2 Employment Indicator** | **Co Borrower 3 Employment Indicator** | **Co Borrower 2 Length of Employment** | **Co Borrower 3 Length of Employment** | **Document Level** | **Borrower Years of W2s/1099** | **CoBorrower Years of W2s/1099** | **Borrower Employment Gap Letter** | **Borrower Months of Employment Gap** | **Co Borrower Employment Gap Letter** | **Co Borrower Months of Employment Gap** | **Borrower Years of Personal Tax Returns** | **Borrower Years of Business Tax Returns** | **CoBorrower Years of Personal Tax Returns** | **CoBorrower Years of Business Tax Returns** | **Years of 4506T** | **Years of Tax Transcripts** | **Borrower Award/Offer Letter** | **Co Borrower Award/Offer Letter** | **Asset Depletion Flag** | **Partial Asset Depletion Flag** | **Asset Depletion Months Amortized** | **Asset Utilization Flag (No DTI)** | **Borrower Bank Statements Flag** | **Borrower Bank Statement Summary/Lender Worksheet** | **Borrower Number of Personal Bank Statements** | **Borrower Number of Business Bank Statements** | **CoBorrower Bank Statements Flag** | **Co Borrower Bank Statement Summary/Lender Worksheet** | **CoBorrower Number of Personal Bank Statements** | **CoBorrower Number of Business Bank Statements** | **Percent of Income From Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **Bespoke Eligible Assets** | **Borrower P&L Type** | **Borrower Number of Months P&L** | **Borrower P&L Prepared By** | **CoBorrower P&L Type** | **CoBorrower P&L Prepared By** | **CoBorrower Number of Months P&L** | **Borrower CPA Letter Flag** | **# of Months CPA verified income** | **CoBorrower CPA Letter Flag** | **CoBorrower # of Months CPA verified income** | **Borrower WVOE Flag** | **Borrower # of Months Employment Validated WVOE** | **Borrower # of Months Income Validated WVOE** | **Borrower WVOE Form Type** | **CoBorrower WVOE Flag** | **CoBorrower # of Months WVOE** | **CoBorrower # of Months Income Validated WVOE** | **CoBorrower WVOE Form Type** | **DSCR Flag** | **TPR DSCR** | **Originator DSCR** | **Expense Letter** | **Income Doc Detail** | **Tax Return Doc Details** | **Property Address** | **Property City** | **Property State** | **Property Zip** | **Property County** | **Original Credit Report Date** | **Borrower 1 Credit Report Date** | **Borrower 2 Credit Report Date** | **Borrower 3 Credit Report Date** | **Borrower 4 Credit Report Date** | **Qualifying Credit Score** | **Third Wage Earner Original FICO Equifax** | **Third Wage Earner Original FICO Experian** | **Third Wage Earner Original FICO Transunion** | **Fourth Wage Earner Original FICO Equifax** | **Fourth Wage Earner Original FICO Experian** | **Fourth Wage Earner Original FICO Transunion** | **Most Recent Updated Credit Report Date** | **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** | **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** | **Is Equity Shared Loan** | **Subordinate Lien Type** | **Is Shared Appreciation Mortgage** | **Borrower Originator Citizenship Designation** | **Borrower Verified Citizenship Designation** | **Borrower Individual Tax Identification Number (ITIN)?** | **Borrower Photo Identification Type** | **Borrower Photo Identification Other Type** | **Borrower Photo ID State of Issuance** | **Borrower Photo ID Country of Issuance** | **Borrower Photo ID Expiration Date** | **Borrower Passport Country of Origin** | **Borrower Passport Expiration Date** | **Borrower Non-US Citizen Identification Document** | **Borrower Date of Resident Since/Valid Date** | **Borrower Non-US Document Expiration Date** | **Co Borrower Originator Citizenship Designation** | **Co Borrower Verified Citizenship Designation** | **Co Borrower Individual Tax Identification Number (ITIN)?** | **Co Borrower Photo Identification Type** | **Co Borrower Photo Identification Other Type** | **Co Borrower Photo ID State of Issuance** | **Co Borrower Photo ID Country of Issuance** | **Co Borrower Photo ID Expiration Date** | **Co Borrower Passport Country of Origin** | **Co Borrower Passport Expiration Date** | **Co Borrower Non-US Citizen Identification Document** | **Co Borrower Date of Resident Since/Valid Date** | **Co Borrower Non-US Document Expiration Date** | **Co Borrower 2 Originator Citizenship Designation** | **Co Borrower 2 Verified Citizenship Designation** | **Co Borrower 2 Individual Tax Identification Number (ITIN)?** | **Co Borrower 2 Photo Identification Type** | **Co Borrower 2 Photo Identification Other Type** | **Co Borrower 2 Photo ID State of Issuance** | **Co Borrower 2 Photo ID Country of Issuance** | **Co Borrower 2 Photo ID Expiration Date** | **Co Borrower 2 Passport Country of Origin** | **Co Borrower 2 Passport Expiration Date** | **Co Borrower 2 Non-US Citizen Identification Document** | **Co Borrower 2 Date of Resident Since/Valid Date** | **Co Borrower 2 Non-US Document Expiration Date** | **Co Borrower 3 Originator Citizenship Designation** | **Co Borrower 3 Verified Citizenship Designation** | **Co Borrower 3 Individual Tax Identification Number (ITIN)?** | **Co Borrower 3 Photo Identification Type** | **Co Borrower 3 Photo Identification Other Type** | **Co Borrower 3 Photo ID State of Issuance** | **Co Borrower 3 Photo ID Country of Issuance** | **Co Borrower 3 Photo ID Expiration Date** | **Co Borrower 3 Passport Country of Origin** | **Co Borrower 3 Passport Expiration Date** | **Co Borrower 3 Non-US Citizen Identification Document** | **Co Borrower 3 Date of Resident Since/Valid Date** | **Co Borrower 3 Non-US Document Expiration Date** | **Property Rights** | **Buydown Flag** | **Assumable Mortgage Flag** | **Foreign National Alternative Credit Documentation** | **Liquid / Cash Reserves** | **Months Liquid Reserves** | **Total Assets Available for Reserves** | **Months Reserves** | **Blanket Mortgage Flag** | **Qualifying HCLTV** | **Condo Warrantability Flag** |
| 20250873 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 40.24% | 40.24% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 22 | CPA | N/A | N/A | 0 | Yes | 54 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2023 | Borrower - 2023 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 36.5 | N/A |
| 20250885 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | Appendix Q Documentation |  |  |  |  |  | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 25.22% | 25.22% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 22 | CPA |  |  |  | Yes | 72 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 | 0 |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 60 | N/A |
| 20250915 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.16% | 44.16% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 35 | 35 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Other |  | xxx | United States | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A |
| 20250848 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 25.22% | 25.22% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 31 | 31 | Work Number | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | US Patriot act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | Yes |
| 20250849 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 43.76% | 43.76% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 34 | 34 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A |
| 20250863 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.27% | 41.27% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 34 | 33 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A |
| 20250866 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 11.67% | 11.67% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 33 | 25 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  | Unknown | No |  | No | Foreign National | Non-Permanent Non-US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | I-551 Stamp and Passport |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 51.37 | N/A |
| 20250872 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.40% | 38.40% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | Third-Party Prepared (Unaudited) | 22 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESCorp, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  | Unknown | No |  | No | Foreign National | Foreign National | N/A | Other | US Patriot Act | xxx | USA | xxx |  |  | I-551 Stamp and Passport |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | Foreign Credit Report | xxx | xxx | xxx | xxx | No | 52.83 | N/A |
| 20250891 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 42.85% | 42.85% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 24 | 24 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A |
| 20250897 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 47.75% | 47.75% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 25 | 25 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen |  | Other | USA Patriot Act | xxx | United States | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 50 | N/A |
| 20250901 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.92% | 41.92% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 23 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | US Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 60 | N/A |
| 20250905 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 29.55% | 29.55% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 39 | 34 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Yes | N/A | xxx | xxx | xxx | xxx | No | 70 | N/A |
| 20250908 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 37.69% | 37.69% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 34 | 34 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Other | US Patriot | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 65 | N/A |
| 20250918 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 37.27% | 37.27% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 25 | 25 | Other | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | Yes | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A |
| 20250920 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.35% | 46.35% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 60 | 35 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A |
| 20250853 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | xxx | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.66% | 48.66% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 42 | 33 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No | Closed End | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 59.43 | N/A |
| 20250880 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 39.63% | 39.63% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 29 | 29 | FNMA 1005 | Yes | 26 | 26 | FNMA 1005 | No | 0 | 0 |  | Borrower - Wage - Written VOE Verified \|\| Co Borrower - Wage - Written VOE Verified | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen |  | Real ID Driver's License |  | xxx | United States | xxx |  |  | I-151 Permanent Resident Card |  | xxx | Permanent Resident Alien | Permanent Non-US Citizen |  | Real ID Driver's License |  | xxx | United States | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 59.68 | N/A |
| 20250869 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 23.41% | 23.41% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A |
| 20250903 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.52% | 38.52% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 23 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 54.72 | N/A |
| 20250935 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 45.16% | 45.16% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 36 | 35 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A |
| 20250942 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 38.55% | 38.55% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 27 | 27 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | US Patriot act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A |
| 20250851 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.81% | 44.81% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 23 | CPA |  |  |  | Yes | 36 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A |
| 20250892 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 42.07% | 42.07% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70 | N/A |
| 20250910 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.35% | 44.35% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 25 | 25 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A |
| 20250912 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation |  | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 48.91% | 48.91% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 98 | 33 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - Wage - Written VOE Verified, Executed 4506T Verified | Borrower - Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 69.23 | N/A |
| 20250860 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.97% | 40.97% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 22 | CPA | N/A | N/A | 0 | Yes | 36 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 1 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | US Patriot | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 65 | N/A |
| 20250870 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.24% | 38.24% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 28 | 28 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75 | N/A |
| 20250881 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 20.84% | 20.84% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 23 | Tax Preparer | N/A | N/A | 0 | Yes | 36 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70 | N/A |
| 20250899 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 37.65% | 37.65% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 47 | 35 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - Wage, Other REO Net Rental Income(Loss) - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen |  | Other | USA Patriot Act | xxx | Vietnam | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70 | Yes |
| 20250904 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 34.78% | 34.78% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 46 | 35 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A |
| 20250923 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 39.21% | 39.21% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 35 | 35 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Passport |  | xxx | United States | xxx | United States of America | xxx | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75 | N/A |
| 20250930 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 29.02% | 29.02% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 33 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Employment Authorization Card |  | xxx | United States | xxx |  |  | Work Visa |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70 | Yes |
| 20250933 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.15% | 39.15% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 80.00% |  |  | Third-Party Prepared (Unaudited) | 23 | Tax Preparer | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A |
| 20250882 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.74% | 40.74% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 153 | 34 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - Wage, Wage, Overtime and Bonus - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 56.93 | N/A |
| 20250889 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 37.90% | 37.90% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 25 | 25 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70 | N/A |
| 20250902 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | Yes | No | No | N/A | N/A |  |  |  |  |  | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.07% | 44.07% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | Yes | Yes | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 83.85% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SECorporation, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss), Other - CPA Letter Verified, 2 YRS Executed 4506T Verified, Award Letter Verified, Business Bank Statements Verified, Lease Agreements Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified, Award Letter Verified | Borrower - 2 YRS Executed 4506T Verified \|\| Co Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal Use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70 | N/A |
| 20250926 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.65% | 38.65% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 360 | 35 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 77.01 | N/A |
| 20250944 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 26.22% | 26.22% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 23 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 61.29 | Yes |
| 20250898 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 40.54% | 40.54% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 28 | 28 | Work Number | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Other | US Patriot Act | xxx | USA | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A |
| 20250900 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 45.82% | 45.82% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 23 | CPA | N/A | N/A | 0 | Yes | 36 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A |
| 20250913 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 27.55% | 27.55% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 23 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A |
| 20250927 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 40.74% | 40.74% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 40 | 35 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen |  | Other | USA PATRIOT ACT | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | Yes |
| 20250937 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 28.57% | 28.57% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 23 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen |  | Other | USA Patriot Act | xxx | USA | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A |
| 20250859 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 42.96% | 42.96% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 23 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Other | USA PATRIOT ACT | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 41.94 | N/A |
| 20250862 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.61% | 41.61% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 73 | 34 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A |
| 20250887 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 31.73% | 31.73% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 22 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 48.19 | N/A |
| 20250890 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 4.69% | 4.69% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75 | N/A |
| 20250925 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 36.21% | 36.21% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 23 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | Yes |
| 20250929 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.89% | 48.89% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 50.00% |  |  | Third-Party Prepared (Unaudited) | 23 | Tax Preparer |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, Lease Agreements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | US Patriot | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70 | N/A |
| 20250850 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 13.19% | 13.19% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 23 | CPA | N/A | N/A | 0 | Yes | 523 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  |  |  |  | Unknown | No |  | No | Foreign National | Foreign National | N/A | Other | USA PATRIOT ACT | xxx | United States | xxx |  |  | I-551 Stamp and Passport |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 50 | Yes |
| 20250878 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.22% | 45.22% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 22 | CPA | N/A | N/A | 0 | Yes | 60 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 51.42 | N/A |
| 20250928 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 32.26% | 32.26% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 23 | Tax Preparer | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 69.44 | N/A |
| 20250868 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.86% | 41.86% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 22 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA PATRIOT ACT | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 63.68 | N/A |
| 20250852 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 41.80% | 41.80% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 24 | Tax Preparer | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75 | N/A |
| 20250886 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 17.59% | 17.59% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 23 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65 | Yes |
| 20251165 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.99% | 48.99% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 132 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65 | N/A |
| 20250947 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 44.17% | 44.17% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 3 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 100.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, 3 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 3 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A |
| 20250946 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx | xxx | xxx | $0.00 | xxx |  | 0.00% | 42.00% | 42.00% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 58 | 36 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 61.54 | Yes |
| 20251161 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 39.67% | 39.67% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 3 | No | N/A | 0 | 0 | 0.00% | 100.00% |  | Stocks/Bonds | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 84 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified, Business Bank Statements Verified - 2024 | Borrower - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A |
| 20251154 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 22.12% | 22.12% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 52 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - SESCorp - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75 | N/A |
| 20250948 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.97% | 40.97% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 48 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified - 2024 | Borrower - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65 | N/A |
| 20251193 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 22.20% | 22.20% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 2 | 0 | NA |  | No | No | 0 | No | Yes | Yes | 0 | 12 | No |  |  |  | 100.00% | 60.00% |  |  | N/A | 0 | N/A |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 | 0 | N/A | Borrower - SEPartnership - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Passport |  | xxx | United States | xxx | United States of America | xxx | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A |
| 20251139 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 22.24% | 22.24% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 62.1 | N/A |
| 20251167 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.26% | 43.26% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 30 | 25 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - Wage, Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75 | N/A |
| 20251189 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 29.99% | 29.99% | Yes | Yes |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024 \|\| Co Borrower | Borrower - 2024 \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A |
| 20251159 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 23.72% | 23.72% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A |
| 20251171 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.36% | 38.36% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 27 | 27 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - Wage, Overtime and Bonus, Other REO Net Rental Income(Loss) - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 49.28 | N/A |
| 20251180 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.07% | 45.07% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 24 | 24 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A |
| 20251187 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.46% | 33.46% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024 | Borrower - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A |
| 20251188 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 32.13% | 32.13% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 46 | 25 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen |  | Standard Driver's License - Not for federal use |  | xxx | Iillinois | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A |
| 20251197 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.02% | 40.02% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 33 | 25 | Other | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen |  | Other | USA Patriot Act | xxx | Permanent Resident Alien | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 57.58 | N/A |
| 20251213 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.20% | 45.20% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 60 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024 | Borrower - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A |
| 20251107 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 31.70% | 31.70% | Yes |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 36 | 25 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - Wage, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A |
| 20251127 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 17.19% | 16.43% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 43 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Yes | N/A | xxx | xxx | xxx | xxx | No | 60.48 | N/A |
| 20251146 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 16.12% | 16.12% | No | No |  |  |  |  |  |  | Self-Employed | Not Employed |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% | 0.00% |  | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024 \|\| Co Borrower - N/A | Borrower - 2024 \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 31.22 | N/A |
| 20251155 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 32.17% | 32.17% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 24 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 65 | N/A |
| 20251169 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.08% | 37.08% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024 | Borrower - 2024 | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Foreign National | Foreign National | N/A | Passport | VISA R-B1/B2 | xxx | United States of America | xxx | Armenia | xxx | Entry Stamp |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70 | N/A |
| 20251181 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.88% | 48.88% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 24 | 24 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - Wage - Written VOE Verified, null Lease Agreements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A |
| 20251191 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.04% | 44.04% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 42 | 36 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - Wage, Overtime and Bonus, Overtime and Bonus - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 73.17 | N/A |
| 20250950 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 27.59% | 27.59% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 49 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024 | Borrower - 2024 | xxx | xxx | xxx | xxx | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Foreign National | Foreign National |  | Passport |  | xxx | Colombia | xxx | Colombia | xxx | Work Visa |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70 | N/A |
| 20251111 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.42% | 37.42% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 24 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No | Closed End | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70 | N/A |
| 20251135 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 31.60% | 31.60% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 24 | Tax Preparer | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SECorporation, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A |
| 20251138 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.32% | 48.32% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 24 | Tax Preparer | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 51.06 | N/A |
| 20251150 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 32.49% | 32.49% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified - 2024 | Borrower - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A |
| 20251152 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.11% | 40.11% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 27 | 24 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen |  | Other | USA Patriot Act | xxx | United States | xxx |  |  | Employment Authorization Document (I-821D) |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A |
| 20251156 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 39.76% | 39.76% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 24 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen |  | Other | USA Patriot Act | xxx | United States | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 43.18 | N/A |
| 20251130 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 38.95% | 38.95% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 51 | 35 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 |  |  | Borrower - Wage, Overtime and Bonus - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen |  | Standard Driver's License - Not for federal use | USA Patriot Act | xxx | New York | xxx |  |  | Work Visa |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A |
| 20251133 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 22.38% | 22.38% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 23 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 65 | N/A |
| 20251134 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 21.60% | 21.60% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 23 | CPA |  |  |  | Yes | 60 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 65 | N/A |
| 20251170 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 46.22% | 46.22% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 36 | 36 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A |
| 20251175 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 43.30% | 43.30% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  | Stocks/Bonds | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024 | Borrower - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A |
| 20251176 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 33.07% | 33.07% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 72 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024 | Borrower - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A |
| 20251194 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 7.84% | 7.84% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  | Stocks/Bonds | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified - 2024 | Borrower - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 58.28 | N/A |
| 20251163 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 43.95% | 43.95% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 24 Month Bank Statement | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 24 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 34 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - SESoleProprietor - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified | Borrower - Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70 | N/A |
| 20251172 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 42.05% | 42.05% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 79 | 24 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - Wage, Other - Written VOE Verified, Lease Agreements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A |
| 20251182 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.47% | 44.47% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 2YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  | Proceeds from Sale | Third-Party Prepared (Unaudited) | 24 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A |
| 20250949 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation |  | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.08% | 45.08% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024 | Borrower - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A |
| 20251192 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 40.73% | 40.73% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 28 | 25 | Work Number | NA | 0 | 0 | N/A | No | 0 |  | N/A | Borrower - Wage, Other REO Net Rental Income(Loss) - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | Employment Authorization Document (I-821D) |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 62.96 | N/A |
| 20251200 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 41.58% | 41.58% | No | No |  |  |  |  |  |  | Employed | Employed |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 0.00% | 0.00% | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 46 | 36 | FNMA 1005 | Yes | 30 | 30 | FNMA 1005 | No | 0 | 0 | N/A | Borrower - Wage - Written VOE Verified \|\| Co Borrower - Wage - Written VOE Verified | Borrower \|\| Co Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | Permanent Resident Alien | Permanent Non-US Citizen | No | Other | USA Patriot Act | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A |
| 20251201 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 32.21% | 32.21% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 46 | 46 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 44.45 | N/A |
| 20251207 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 16.82% | 16.82% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 1 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 100.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 48 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss), Subject Property Net Rental Income(Loss) if NOO - CPA Letter Verified, Executed 4506T Verified, Business Bank Statements Verified - 2024 | Borrower - Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Passport | USA Patriot Act | xxx | United States | xxx | 276 | xxx | N/A |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 68.25 | Yes |
| 20250951 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 47.07% | 47.07% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 0.00% | 100.00% |  | Stocks/Bonds | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified | Borrower - 2 YRS Executed 4506T Verified | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Passport |  | xxx | United States | xxx | Brazil | xxx | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 85 | N/A |
| 20251209 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 46.52% | 46.52% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024 | Borrower - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A |
| 20251210 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 32.82% | 32.82% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer | N/A | N/A | 0 | Yes | 36 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024 | Borrower - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A |
| 20251211 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 44.31% | 44.31% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 31 | 25 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen |  | Other | USA Patriot Act | xxx | United States | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 61.9 | N/A |
| 20251214 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 14.14% | 14.14% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  | Proceeds from Sale | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024 | Borrower - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 53.01 | N/A |
| 20251216 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 36.10% | 36.10% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 26 | 25 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | Work Visa |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 52.19 | N/A |
| 20251119 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 39.46% | 37.26% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 23 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Yes | N/A | xxx | xxx | xxx | xxx | No | 64.97 | N/A |
| 20251128 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 49.79% | 49.79% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 12 Month Bank Statement | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 2 | 0 | NA | NA | No | No | 0 | No | Yes | Yes | 0 | 12 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, 2 YRS Executed 4506T Verified, Business Bank Statements Verified - 2024 | Borrower - 2 YRS Executed 4506T Verified - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 64.47 | N/A |
| 20251151 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 33.52% | 33.52% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 35 | 35 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - Wage - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen |  | Real ID Driver's License |  | xxx | United States | xxx |  |  | I-551 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A |
| 20251196 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 19.74% | 19.74% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024 | Borrower - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 75 | N/A |
| 20251219 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 45.46% | 45.09% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 83.45% | 0.00% |  |  | N/A | 0 | N/A | N/A | N/A | 0 | NA | 0 | No | 0 | Yes | 24 | 24 | FNMA 1005 | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - Wage, Commission, Other REO Net Rental Income(Loss) - Written VOE Verified, Lease Agreements Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | Yes | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A |
| 20251126 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation |  | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 47.65% | 47.65% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024 | Borrower - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 65 | N/A |
| 20251140 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation |  | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 37.69% | 37.69% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 23 | CPA |  |  |  | Yes | 24 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Permanent Resident Alien | Permanent Non-US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | I-151 Permanent Resident Card |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 60.09 | N/A |
| 20251183 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation |  | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 37.64% | 37.64% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 100.00% |  | Stocks/Bonds | Third-Party Prepared (Unaudited) | 12 | CPA |  |  |  | Yes | 65 | No |  | NA | 0 | 0 | N/A |  |  | 0 |  | No | 0 | 0 | N/A | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024 | Borrower - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 47.37 | N/A |
| 20251203 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation | xxx | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Annually | 0.00% | 41.35% | 41.35% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Accountant/Bookkeeper | N/A | N/A | 0 | Yes | 60 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESCorp - CPA Letter Verified, YTD Profit And Loss Verified - 2024 | Borrower - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 73 | N/A |
| 20251218 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation |  | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.82% | 37.82% | No | No |  |  |  |  |  |  | Self-Employed | Self-Employed |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | Yes | 0 | 0 | 0.00% | 100.00% | 100.00% |  | Third-Party Prepared (Unaudited) | 12 | CPA | Audited | CPA | 12 | Yes | 24 | Yes | 24 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024 \|\| Co Borrower - SESoleProprietor - CPA Letter Verified, YTD Profit And Loss Verified - 2024 | Borrower - 2024 \|\| Co Borrower - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 70 | N/A |
| 20251220 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation |  | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 48.59% | 48.59% | No |  |  |  |  |  |  |  | Employed |  |  |  |  |  | Written Verification of Employment | 0 | NA | N/A | 0 |  |  | 0 | 0 |  |  | 0 | 0 | NA |  | No | No | 0 | No | No | Yes | 0 | 0 | No |  |  |  | 0.00% | 0.00% |  |  | N/A | 0 | N/A |  |  |  | NA | 0 | No |  | Yes | 40 | 25 | FNMA 1005 |  |  | 0 |  | No | 0 | 0 | N/A | Borrower - Wage, Overtime and Bonus - Written VOE Verified | Borrower | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 75 | N/A |
| 20251185 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | ATR/QM: Not Applicable | No | No | No | N/A | N/A |  |  |  |  |  | No |  |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 38.34% | 38.34% | Yes |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Tax Preparer | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor, Subject Property Net Rental Income(Loss) if NOO, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified, Lease Agreements Verified - 2024 | Borrower - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Real ID Driver's License |  | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | .00 | .00 | xxx | xxx | No | 70 | N/A |
| 20251148 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation |  | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | xxx | xxx | $0.00 | xxx | xxx | xxx | xxx | xxx | xxx | Monthly | 0.00% | 31.32% | 31.32% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | CPA | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 |  | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024 | Borrower - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | US Citizen | US Citizen | N/A | Other | USA Patriot Act | xxx | United States | xxx |  |  | N/A |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 50 | N/A |
| 20251202 |  | xxx | xxx | xxx | xxx | No | xxx | xxx | xxx | xxx | xxx | Non-QM: Lender documented all ATR UW factors | Yes | No | No | N/A | Appendix Q Documentation |  | xxx | xxx |  |  | No | xxx |  | xxx |  | xxx | No | xxx | xxx | xxx | xxx | $0.00 | $0.00 | $0.00 | xxx | xxx |  |  | $0.00 |  |  | 0.00% | 37.73% | 37.73% | No |  |  |  |  |  |  |  | Self-Employed |  |  |  |  |  | 1YR Business P&L | 0 | 0 NA | N/A | 0 | N/A | 0 | 0 | 0 | 0 | 0 | 0 | 0 | NA | NA | No | No | 0 | No | No | Yes | 0 | 0 | No | N/A | 0 | 0 | 0.00% | 100.00% |  |  | Third-Party Prepared (Unaudited) | 12 | Accountant/Bookkeeper | N/A | N/A | 0 | Yes | 24 | No | 0 | NA | 0 | 0 | N/A | NA | 0 | 0 | N/A | No | 0 | 0 | N/A | Borrower - SESoleProprietor, Other REO Net Rental Income(Loss) - CPA Letter Verified, YTD Profit And Loss Verified - 2024 | Borrower - 2024 | xxx | xxx | xxx | xxx | xxx | xxx | xxx |  |  |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  | NA |  |  | 0 |  |  |  | 0 |  |  | 0 |  |  | 0 |  | 0 | 0 | 0 | Unknown | No |  | No | Non Permanent Resident Alien | Non-Permanent Non-US Citizen | N/A | Standard Driver's License - Not for federal use |  | xxx | United States | xxx |  |  | Work Visa |  | xxx |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Fee Simple | No | No | N/A | xxx | xxx | xxx | xxx | No | 80 | N/A |

---

## Exhibit 99.29

[GCAT DEPOSITOR VI LLC ABS-15G](gcatnqm-abs15g.htm)

 **Exhibit 99.29**

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

**Overview**

Consolidated Analytics, Inc ("Consolidated Analytics"), a third-party due diligence provider, performed the review described below on behalf of its client, Blue River Mortgage VI LLC. The review included a total of 68 newly originated residential mortgage loans, in connection with the securitization identified as GCAT 2025-NQM3 (the "Securitization"). The Review was conducted from December 2024 to February 2025 on mortgage loans originated between November 2024 and January 2025.

**Scope of Review**

**Credit Review**

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

The Credit Review attempted to confirm the following:

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

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

● Validate borrower(s) monthly gross income

● Validate funds required to close, required reserves

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

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

● Review file documentation for required level of employment

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

● Confirm program, qualifying rate, terms

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

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

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

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

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

● Validate monthly recurring liabilities

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

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

● Documentation meets Appendix Q requirements for QM Loans

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

● Review credit report for credit history and required credit depth including any / all inquiries

● Determine representative credit score from credit report

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

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

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

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

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

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

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

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

**Compliance Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

**Valuation Review**

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

For loans reviewed in a post-close valuation review scenario (68 loans in total):

Zero (0) loans had a Secondary Appraisal, one (1) loan had AVMs, and sixty-seven (67) loans had Desktop Reviews.

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

One (1) loan had a Field Review, and zero (0) loans had an Exterior Only Appraisal Review.

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

**TAPE INTEGRITY REVIEW RESULTS SUMMARY** 

Of the 68 mortgage loans reviewed, fifty-five (55) unique mortgage loans (80.88% by loan count) had a total of seventy-nine (79) different tape discrepancies across eight (8) data fields. A blank or zero value on the data tape when an actual value was captured by Consolidated Analytics was not treated as a data variance.

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Fields Reviewed** | &nbsp;&nbsp;**Discrepancy Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;Borrower Appraisal Receipt Date | &nbsp;&nbsp;51 | &nbsp;&nbsp;64.56% |
| &nbsp;&nbsp;Borrower 1 FTHB | &nbsp;&nbsp;10 | &nbsp;&nbsp;12.66% |
| &nbsp;&nbsp;Borrower 1 Citizen | &nbsp;&nbsp;6 | &nbsp;&nbsp;7.59% |
| &nbsp;&nbsp;Cash Disbursement Date | &nbsp;&nbsp;6 | &nbsp;&nbsp;7.59% |
| &nbsp;&nbsp;Reviewed Appraised Property Value | &nbsp;&nbsp;3 | &nbsp;&nbsp;3.80% |
| &nbsp;&nbsp;Qualifying LTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.27% |
| &nbsp;&nbsp;Qualifying CLTV | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.27% |
| &nbsp;&nbsp;Qualifying FICO | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.27% |
| &nbsp;&nbsp;**Grand Total** | &nbsp;&nbsp;**79** | &nbsp;&nbsp;**100.00%** |

---

**Summary of Results**

**OVERALL RESULTS SUMMARY**

**Final Loan Grades**

---

| | | | |
|:---|:---|:---|:---|
| **Overall Loan Results:** | **Overall Loan Results:** | **Overall Loan Results:** | |
| Event Grade | Loan Count | Original Principal Balance | Percent of Sample by Loan Count |
| Event Grade A | 67 | $37177037.00 | 98.53% |
| Event Grade B | 1 | $1651500.00 | 1.47% |
| Event Grade C | 0 | $0 | 0% |
| Event Grade D | 0 | $0 | 0% |
| **Total Sample** | 68 | $38828537.00 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Credit Results:** | **Credit Results:** | **Credit Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 68 | 100.00% |
| Event Grade B | 0 | 0% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 68 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Compliance Results:** | **Compliance Results:** | **Compliance Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 67 | 98.53% |
| Event Grade B | 1 | 1.47% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 68 | 100.00% |

---

---

| | | |
|:---|:---|:---|
| **Valuation Results:** | **Valuation Results:** | **Valuation Results:** |
| Event Grade | Loan Count | Percent of Sample |
| Event Grade A | 68 | 100.00% |
| Event Grade B | 0 | 0% |
| Event Grade C | 0 | 0% |
| Event Grade D | 0 | 0% |
| **Total Sample** | 68 | 100.00% |

---

 **Exception Category Summary**

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

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Exception<br> Type | &nbsp;&nbsp;Exception <br> Level <br> Grade | &nbsp;&nbsp;Exception Category | &nbsp;&nbsp;Total |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;No Credit Findings | &nbsp;&nbsp;58 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Final 1003 is Incomplete | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Hazard Insurance Policy is Partial | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Missing Closing/Final Verbal VOE | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Income/Employment General | &nbsp;&nbsp;2 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Flood Certificate Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;The Deed of Trust is Incomplete | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Borrower Non-US Citizen Identification Document Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;Loan does not conform to program guidelines | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Credit | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Credit Grade (A) Exceptions:*** | &nbsp;&nbsp;***72*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;No Compliance Findings | &nbsp;&nbsp;59 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Higher-Priced Mortgage Loan Test | &nbsp;&nbsp;5 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Revised Loan Estimate Delivery Date Test (prior to consummation) | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;eSigned Documents Consent is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;TRID: Missing Closing Disclosure | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Charges That Cannot Increase Test | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;Intent to Proceed is Missing | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Compliance Grade (A) Exceptions:*** | &nbsp;&nbsp;***69*** |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;Incorrect rescission model used - RTC form model H-8 used for Same Lender or Lender Affiliate Refinance | &nbsp;&nbsp;1 |
| &nbsp;&nbsp;Compliance | &nbsp;&nbsp;B | &nbsp;&nbsp;***Total Compliance Grade (B) Exceptions:*** | &nbsp;&nbsp;***1*** |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;No Property Findings | &nbsp;&nbsp;65 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | &nbsp;&nbsp;3 |
| &nbsp;&nbsp;Property | &nbsp;&nbsp;A | &nbsp;&nbsp;***Total Property Grade (A) Exceptions:*** | &nbsp;&nbsp;***68*** |

---

**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 99.30

[GCAT DEPOSITOR VI LLC ABS-15G](gcatnqm-abs15g.htm)

**Exhibit 99.30**

---

| | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Seller Loan Number** | **Originator** | **Last Name** | **Note Date** | **Original Balance** | **State** | **TPR QM ATR Status** | **Loan Status** | **Exception Date** | **Remediation Status** | **Exception ID** | **Exception Type** | **Exception Category** | **Exceptions** | **Exception Rebuttal** | **Exception Rebuttal Date** | **Exception Rebuttal Response** | **Exception Rebuttal Response Date** | **Compensating Factors** |
| 20250717 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/12/2024 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Information | 12/13/2024 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250717 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/12/2024 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Information | 12/13/2024 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250717 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 12/12/2024 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Information. | 12/13/2024 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250549 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/27/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/28/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 20250549 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/27/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/28/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 20250549 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/27/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/28/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 20250541 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 01/28/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250541 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 01/28/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250541 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 01/28/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250542 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 01/28/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250542 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 01/28/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250542 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 01/28/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250548 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 01/28/2025 | Resolved | FCRE1161 | Credit | Flood Certificate Missing | Missing Flood Certificate Flood Cert in file is not for the subject property address. | Document Uploaded. | 01/30/2025 | Documentation provided is sufficient. Exception resolved.; Flood Certificate is fully present | 01/31/2025 | D A |
| 20250548 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 01/28/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/29/2025 | D A |
| 20250548 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 01/28/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/29/2025 | D A |
| 20250551 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/28/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/29/2025 | A |
| 20250551 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/28/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/29/2025 | A |
| 20250551 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/28/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/29/2025 | A |
| 20250553 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/28/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/29/2025 | A |
| 20250553 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/28/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/29/2025 | A |
| 20250553 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/28/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/29/2025 | A |
| 20250529 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 01/28/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250529 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 01/28/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250529 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 01/28/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250511 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 01/28/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant, downgraded to A | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant, downgraded to A |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 01/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 20250511 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 01/28/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 20250511 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 01/28/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 20250559 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 01/28/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250559 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 01/28/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250559 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 01/28/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/29/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250545 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 01/29/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 20250545 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 01/29/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 20250545 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 01/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 20250507 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 01/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 20250507 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 01/29/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 20250507 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 01/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 20250547 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/29/2025 | Resolved | FCRE1158 | Credit | Hazard Insurance Policy is Partial | Hazard Insurance Policy Partially Provided Hazard Insurance is missing the annual premium. Payment receipt in file does not specify that payment is for the annual premium paid in full, it just States the amount paid. | Document Uploaded. ; Document Uploaded. | 01/31/2025 | Documentation provided is sufficient. Exception resolved.; Hazard Insurance Policy is fully present | 02/03/2025 | D A |
| 20250547 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/29/2025 | Resolved | FCRE2900 | Credit | Borrower XXX Identification Document Missing | Non XXX is missing Identification Document. Missing fully executed Certificate of XXX Status Form. Required per lender guidelines. | Document Uploaded. ; Document Uploaded. | 01/31/2025 | Documentation provided is sufficient. Exception resolved.; Borrower Identification Document provided. | 02/03/2025 | D A |
| 20250547 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/29/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/30/2025 | D A |
| 20250547 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/30/2025 | D A |
| 20250525 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 01/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 20250525 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 01/29/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 20250525 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 01/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 20250533 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 01/29/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 20250533 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 01/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 20250533 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 01/29/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/30/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 20250555 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/29/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/30/2025 | A |
| 20250555 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/29/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/30/2025 | A |
| 20250555 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/30/2025 | A |
| 20250562 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/30/2025 | A |
| 20250562 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/29/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/30/2025 | A |
| 20250562 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/29/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/30/2025 | A |
| 20250571 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 01/29/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 20250571 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 01/29/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 20250571 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 01/29/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/30/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 20250515 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 01/30/2025 | Resolved | FCOM9186 | Compliance | eSigned Documents Consent is Missing | The eSigned consent disclosure is missing. The eSigned documents consent is missing. The Electronic Consent documents in file (pg. XXX, XXX) reflect that the E-Consent was pending, although the earliest e-signature was completed on XX/XX/XXXX (pg. XXX, XXX). | Document Uploaded. | 02/03/2025 | Evidence of eConsent is provided. | 02/03/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 20250515 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 01/30/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/31/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 20250515 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 01/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/31/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 20250518 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 01/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/31/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 20250518 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 01/30/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/31/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 20250518 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 01/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/31/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 20250508 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 01/30/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant, downgraded to A | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. HPML compliant, downgraded to A |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 01/31/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 20250508 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 01/30/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/31/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 20250508 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 01/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/31/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 20250523 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 01/30/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/31/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 20250523 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 01/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/31/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 20250523 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 01/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/31/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 20250535 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 01/30/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML escrow established, appraisal requirement met This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML escrow established, appraisal requirement met This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 01/31/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250535 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 01/30/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/31/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250535 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 01/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/31/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250566 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 01/30/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 01/31/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250566 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 01/30/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 01/31/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250566 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 01/30/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 01/31/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250544 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/31/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/03/2025 | A |
| 20250544 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/31/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/03/2025 | A |
| 20250544 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/31/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/03/2025 | A |
| 20250557 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/31/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/03/2025 | A |
| 20250557 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/31/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/03/2025 | A |
| 20250557 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 01/31/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/03/2025 | A |
| 20250516 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 02/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/04/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 20250516 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 02/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/04/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 20250516 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 02/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/04/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 20250546 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 02/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/04/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250546 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 02/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/04/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250546 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 02/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/04/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250520 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 02/03/2025 | Cured | FCOM1851 | Compliance | Incorrect rescission model used - RTC form model H-8 used for Same Lender or Lender Affiliate Refinance | Incorrect rescission model used - RTC form model H8 (New Creditor) used for Same Lender or Lender Affiliate Refinance The subject refinance transaction was paying off a prior loan from XXX (pg. XXX) , which matches the subject lender, and received $XXX in new money. Therefore, RTC form model H9 (Same Creditor) was required to be used. Cure package requires, corrected CD, updated NORTC, LOE, and proof of delivery | Document Uploaded. | 02/11/2025 | Cure package provided to borrower | 02/11/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 20250520 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 02/03/2025 | Resolved | FCOM1221 | Credit | The Deed of Trust is Incomplete | The Deed of Trust is Incomplete Missing page XXX of the Deed of Trust. | Document Uploaded. | 02/07/2025 | Documentation provided is sufficient. Exception resolved.; The Deed of Trust is Present and Complete | 02/10/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 20250520 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 02/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/04/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 20250531 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 02/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/04/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 20250531 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 02/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/04/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 20250531 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 02/03/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/04/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 20250536 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 02/03/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/04/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 20250536 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 02/03/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/04/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 20250536 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 02/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/04/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 20250543 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 02/04/2025 | Resolved | FVAL3825 | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. XXX, XXX Disaster Declared on XX/XX/XXXX and was ongoing. The appraisal was completed on XX/XX/XXXX and would require a post-disaster inspection because the first was not extinguished until a week or two after the declared date. | Document Uploaded. | 02/06/2025 | Documentation provided is sufficient. Exception resolved.; Property Inspection Provided. | 02/07/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250543 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 02/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/05/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250543 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 02/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/05/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250522 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/04/2025 | Resolved | FVAL3825 | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. XXX, XXX Disaster Declaration XX/XX/XXXX, appraisal dated XX/XX/XXXX. A PDI required because appraisal dated prior to declared disaster. | Document Uploaded. | 02/06/2025 | Documentation provided is sufficient. Exception resolved.; Property Inspection Provided. | 02/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 20250522 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/05/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 20250522 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/05/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 20250550 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2025 | Resolved | FCRE8201 | Credit | Loan does not conform to program guidelines | Missing Lender Approved Exception to use rent loss coverage for gross rental income. Calculation used by lender $XXX (rent loss) /XXX= $XXX. Underwriter's XXX and income calculator State to use this formula per management; however, exception approval is missing from file to use rent loss insurance, instead of a form 1007, XXX or lease agreement. | Document Uploaded. | 02/06/2025 | Documentation provided is sufficient. XXX report shows a higher amount than what was used. Using lower amount as most conservative. Exception resolved. | 02/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250550 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/05/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250550 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/05/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250527 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 02/04/2025 | Resolved | FCRE1158 | Credit | Hazard Insurance Policy is Partial | Hazard Insurance Policy Partially Provided Hazard Insurance is XXX Fair Plan that only covers XXX, XXX, XXX and XXX. Lender guidelines require, at a minimum, XXX, XXX, XXX and XXX, and XXX. | Policy States that they paid for Extended coverage (ECE) - documentation in file extrapolates on ECE, stating these items are included in coverage. | 02/07/2025 | Documentation provided is sufficient. Exception resolved.; Hazard Insurance Policy is fully present | 02/10/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 20250527 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 02/04/2025 | Resolved | FVAL3825 | Property | FEMA Declared Disaster Dated Prior to the Note Date, After Appraisal Date | Property located in FEMA Declared Disaster Area with no subsequent property Inspection. Disaster XXX, declared on XX/XX/XXXX which is after the appraisal date of XX/XX/XXXX. A PDI is required. | Document Uploaded. | 02/07/2025 | Documentation provided is sufficient. Exception resolved.; Property Inspection Provided. | 02/10/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 20250527 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 02/04/2025 | Resolved | FCRE3464 | Credit | Missing Closing/Final Verbal VOE | Missing internet search or directory assistance doc verifying the existence of the business through a phone listing and/or business address dated within XXX days of the note date. Internet search in file is not dated. Required per lender guidelines. | Document Uploaded. | 02/07/2025 | Documentation provided is sufficient. Exception resolved.; Updated Condition removing Business Narrative as required. This is a bank Statement loan and a business narrative is not required. However, still need internet search or directory assistance doc verifying the existence of the business through a phone listing and/or business address dated within XXX days of the note date. Internet search in file is not dated. Required per lender guidelines | 02/10/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 20250527 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 02/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/05/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 20250528 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 02/04/2025 | Resolved | FCRE1158 | Credit | Hazard Insurance Policy is Partial | Hazard Insurance Policy Partially Provided Hazard Insurance is XXX Fair Plan that only covers XXX, XXX, XXX and XXX. Lender guidelines require, at a minimum, XXX, XXX, XXX and XXX, and XXX. | Policy States that they paid for Extended coverage (ECE) - documentation in file extrapolates on ECE, stating these items are included in coverage. | 02/07/2025 | Documentation provided is sufficient. Exception resolved.; Hazard Insurance Policy is fully present | 02/10/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 20250528 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 02/04/2025 | Resolved | FCRE3464 | Credit | Missing Closing/Final Verbal VOE | Missing internet search or directory assistance doc verifying the existence of the business through a phone listing and/or business address dated within XXX days of the note date for all XXX (XXX) businesses. Internet search in file is not dated. Required per lender guidelines. | Document Uploaded. | 02/07/2025 | Documentation provided is sufficient. Exception resolved.; Updated exception removing a business narrative as a required document. However, still missing internet search or directory assistance doc verifying the existence of the business through a phone listing and/or business address dated within XXX days of the note date for all XXX (XXX) businesses. Internet search in file is not dated. Required per lender guidelines. | 02/10/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 20250528 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 02/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/05/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 20250528 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 02/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/05/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 20250530 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 02/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Cleared | 02/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 20250530 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 02/04/2025 | Resolved | FCRE8611 | Credit | Income/Employment General | Missing executed Self-Employed Business Narrative form. | This is not required on bank Statement loans- please refer to guide. | 02/06/2025 | Explanation provided is sufficient. Exception resolved. | 02/07/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 20250530 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 02/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/05/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 20250530 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 02/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/05/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 20250561 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/05/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250561 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/05/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250561 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/05/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250564 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 02/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/05/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250564 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 02/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/05/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250564 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 02/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/05/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250513 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/05/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 20250513 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/05/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 20250513 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/05/2025 | Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 20250568 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/05/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250568 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/05/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250568 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/04/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/05/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250521 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 02/05/2025 | Resolved | FCOM1233 | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete Section XX/XX/XXXX on Final 1003 property is listed as Investment, Section XX/XX/XXXX has property listed as Primary Residence. Provide updated XXX to reflect correct Occupancy status. | Document Uploaded. | 02/07/2025 | Documentation provided is sufficient. Exception resolved.; The Final 1003 is Present | 02/10/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 20250521 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 02/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/06/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 20250521 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 02/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/06/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 20250506 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/05/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure Required. HPML Loan with established escrows and appraisal requirement met. Downgraded | This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. No Cure Required. HPML Loan with established escrows and appraisal requirement met. Downgraded |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 02/06/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 20250506 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/06/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 20250506 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/06/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 20250524 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/05/2025 | Resolved | FCRE8611 | Credit | Income/Employment General | Missing executed Self-Employed Business Narrative. | Erroneous - self employed business narrative is only required on bank Statement loans using P&L- this is a bank Statement loan. | 02/07/2025 | Received lender rebuttal - exception is erroneous for self-employed business income. After a review of guidelines, lender is correct the business narrative is not required on business bank Statement loans. Exception Resolved. | 02/07/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 20250524 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/06/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 20250524 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/06/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 20250510 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 02/05/2025 | Resolved | finding-3526 | Compliance | Revised Loan Estimate Delivery Date Test (prior to consummation) | This loan failed the revised loan estimate delivery date test (prior to consummation) due to one of the following findings: (12 CFR §1026.19(e)(4)(ii)) The revised loan estimate delivery date is provided and the revised loan estimate method of delivery is marked as either:"USPS First Class Mail" or "Electronic Delivery" or blank, and the revised loan estimate delivery date is less than seven business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; or"In Person" and the revised loan estimate delivery date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate receipt date is provided and the revised loan estimate receipt date is less than four business days (counting all calendar days except Sunday and specified legal public holidays) before the consummation date, or closing / settlement date if no consummation date is provided, of the transaction; orThe revised loan estimate delivery date is on or after the initial closing disclosure delivery date.The creditor shall not provide a revised version of the disclosures required under §1026.19(e)(1)(i) on or after the date on which the creditor provides the disclosures required under §1026.19(f)(1)(i). The consumer must receive a revised version of the disclosures required under §1026.19(e)(1)(i) not later than four business days prior to consummation. If the revised version of the disclosures required §1026.19(e)(1)(i) is not provided to the consumer in person, the consumer is considered to have received such version three business days after the creditor delivers or places such version in the mail. Documentation Required - Missing proof borrower received revised Loan Estimate XX/XX/XXXX at least XXX days prior to consummation | Document Uploaded. | 02/07/2025 | LE receipt date provided; exception resolved; LE receipt date provided; exception resolved | 02/08/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250510 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 02/05/2025 | Resolved | finding-3634 | Compliance | Charges That Cannot Increase Test | This loan failed the charges that cannot increase test. (12 CFR §1026.19(e)(3)(i)) The loan contains charges that exceed the good faith determination according to §1026.19(e)(3)(i).One or more of the final charges exceed the comparable amount. Your total tolerance violation is $XXX.Please see the Tolerance Comparison Table that displays the Charges That Cannot Increase for a comparison of the data between the provided disclosures.An estimated closing cost disclosed pursuant to §1026.19(e) is in good faith if the charge paid by or imposed on the consumer does not exceed the amount originally disclosed under §1026.19(e)(1)(i). $XXX violation due to increase in mortgage broker fee. COC in file is valid, however due to the LE receipt date missing, the timing issue is also causing a tolerance violation | Document Uploaded. | 02/07/2025 | LE receipt date provided; exception resolved; LE receipt date provided; exception resolved | 02/08/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250510 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 02/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/06/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250510 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 02/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/06/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250514 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/05/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/06/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 20250514 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/05/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/06/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 20250514 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/05/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/06/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 20250517 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/07/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250517 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/07/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250517 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/07/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250552 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/07/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 20250552 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/07/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 20250552 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/07/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 20250558 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/07/2025 | A |
| 20250558 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/07/2025 | A |
| 20250558 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/07/2025 | A |
| 20250560 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/06/2025 | Resolved | FCOM1233 | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete Final 1003 is missing the mortgage loan information for the property at XXX from XXX acct #XXX. Note dated XX/XX/XXXX provided in the loan file. | Borrower is not obligated on this property- they are title only. ; Document Uploaded. | 02/11/2025 | Documentation provided is sufficient. Exception resolved.; The Final 1003 is Present | 02/12/2025 | D A |
| 20250560 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/07/2025 | D A |
| 20250560 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/07/2025 | D A |
| 20250563 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/07/2025 | A |
| 20250563 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/07/2025 | A |
| 20250563 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/07/2025 | A |
| 20250538 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/06/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/07/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 20250538 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/06/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/07/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 20250538 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/06/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/07/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% A |
| 20250519 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 02/07/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 20250519 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 02/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 20250519 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 02/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% A |
| 20250505 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 02/07/2025 | Resolved | FCOM1233 | Credit | The Final 1003 is Incomplete | The Final 1003 is Incomplete The required Final 1003 is missing page XXX, Section XXX: Demographic Information. | Document Uploaded. | 02/11/2025 | Documentation provided is sufficient. Exception resolved.; The Final 1003 is Present | 02/12/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A |
| 20250505 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 02/07/2025 | Resolved | FCOM1544 | Compliance | TRID: Missing Closing Disclosure | TRID: Missing Final Closing Disclosure Documentation required to clear exception: Page XXX of Final CD XX/XX/XXXX located in file on page XXX is Cut-Off and cannot be verified if values are matching in all parts of CD. Please provide full copy of Final CD for review and verification. | Document Uploaded. | 02/11/2025 | TRID: Final Closing Disclosure Provided | 02/11/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A |
| 20250505 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 02/07/2025 | Resolved | FCOM3608 | Compliance | Intent to Proceed is Missing | The intent to proceed is missing. Documentation required to clear exception: The intent to proceed is missing. | Document Uploaded. ; Document Uploaded. | 02/11/2025 | The intent to proceed is provided. | 02/11/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A |
| 20250505 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 02/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/10/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% D A |
| 20250509 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 02/07/2025 | Resolved | finding-3352 | Compliance | Higher-Priced Mortgage Loan Test | HPML with established escrows and appraisal requirements met. Exception downgraded. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. | HPML with established escrows and appraisal requirements met. Exception downgraded. This loan failed the higher-priced mortgage loan test. (12 CFR § 1026.35(a)(1)) Using the greater of the disclosed APR and the calculated APR, the loan is a higher-priced mortgage loan, as defined in Regulation Z.While the higher-priced mortgage loan provisions specify that lenders can legally make this type of loan subject to additional requirements in 12 CFR §1026.35, some lenders and secondary market investors may prefer not to fund or buy higher-priced mortgage loans even if the additional conditions are met. |  | HPML is compliant and allowed per lender guidelines; therefore, downgraded to A. | 02/10/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 20250509 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 02/07/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/10/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 20250509 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 02/07/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/10/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 20250526 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 02/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/10/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 20250526 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 02/08/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/10/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 20250526 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 02/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/10/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Borrower has stable job time - Borrower has XXX years on job. A |
| 20250554 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 02/08/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/10/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250554 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 02/08/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/10/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250554 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 02/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/10/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250532 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 02/09/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/10/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250532 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 02/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/10/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250532 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 02/07/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/10/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250556 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 02/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250556 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 02/09/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250556 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 02/09/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250716 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 02/09/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/10/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250716 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 02/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/10/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250716 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 02/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/10/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250534 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 02/09/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/10/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 20250534 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 02/08/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/10/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 20250534 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 02/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/10/2025 | Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% \| Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Borrower has stable job time - Borrower has XXX years on job. A |
| 20250565 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 02/08/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250565 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 02/08/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250565 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 02/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250537 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/08/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/10/2025 | A |
| 20250537 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/10/2025 | A |
| 20250537 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Loan Review Complete | 02/07/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/10/2025 | A |
| 20250567 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 02/09/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250567 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 02/09/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250567 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 02/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250539 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 02/09/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/10/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250539 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 02/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/10/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250539 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 02/10/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/10/2025 | Borrower has stable job time - Borrower has XXX years on job. \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250569 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 02/10/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250569 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 02/09/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250569 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Curative | 02/09/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/10/2025 | is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX A |
| 20250540 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 02/09/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/10/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 20250540 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 02/08/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/10/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 20250540 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: CDFI Lender Exempt | Curative | 02/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/10/2025 | Original CLTV is Below the Guideline Maximum - Calculated CLTV of XXX% is less than Guideline CLTV of XXX% \| Qualifying DTI below max allowed. - Calculated DTI of XXX% is less than Guideline DTI of XXX% \| Borrower has stable job time - Borrower has XXX years on job. \| is Greater than the Guideline Minimum - of XXX is greater than Guideline minimum FICO of XXX \| Original LTV is Below the Guideline Maximum - Calculated LTV of XXX% is less than Guideline LTV of XXX% A |
| 20250570 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/08/2025 | Resolved | FCRE8999 | Credit | No Credit Findings | The loan meets all applicable credit guidelines. |  |  | Informational | 02/10/2025 | A |
| 20250570 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/08/2025 | Resolved | FPRO8998 | Property | No Property Findings | Property and valuations related findings were not identified on the loan. |  |  | Informational | 02/10/2025 | A |
| 20250570 | XXXXX | XXX | XXXXX | XX/XX/XXXX | XXXXXX | XXX | ATR/QM: Exempt | Loan Review Complete | 02/08/2025 | Resolved | FCOM8997 | Compliance | No Compliance Findings | The loan is in compliance with all applicable laws and regulations. |  |  | Informational | 02/10/2025 | A |

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## Exhibit 99.31

[GCAT DEPOSITOR VI LLC ABS-15G](gcatnqm-abs15g.htm)

**Exhibit 99.31**

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| **Loan ID** | **Other ID** | **Investor Loan ID** | **Note Date** | **Original Loan Amount** | **Sales Price** | **Total Adjusted Prior Purchase Price** | **Primary Appraised Value** | **Primary Appraisal Date** | **Primary Appraisal Type** | **Value for LTV** | **LTV** | **CLTV** | **Loan Reviewed Property Value** | **Loan Reviewed Variance Amount** | **Loan Reviewed Variance Percent** | **Loan Reviewed Product Type** | **Loan Post-Close Reviewed Property Value** | **Loan Post-Close Reviewed Variance Amount** | **Loan Post-Close Reviewed Variance Percent** | **Loan Post-Close Reviewed Product Type** | **Second Appraisal Value** | **Second Appraisal Variance Amount** | **Second Appraisal Variance Percent** | **Second Appraisal Date** | **Second Appraisal Type** | **AVM Appraised Value** | **AVM Variance Amount** | **AVM Variance Percent** | **AVM Confidence Score** | **FSD Score** | **AVM Company Name** | **AVM Product Name** | **AVM Appraisal Date** | **Desk Review Appraised Value** | **Desk Review Variance Amount** | **Desk Review Variance Percent** | **Desk Review Company** | **Desk Review Risk Score** | **Desk Review Appraisal Date** | **Second Desk Review Variance Amount** | **Second Desk Review Variance Percent** | **Second Desk Review Appraisal Date** | **Second Desk Review Appraised Value** | **Desk Top Appraised Value** | **Desk Top Variance Amount** | **Desk Top Variance Percent** | **Desk Top Company** | **Desk Top Appraisal Date** | **BPO Appraised Value** | **BPO Variance Amount** | **BPO Variance Percent** | **BPO Company** | **BPO Appraisal Date** | **Field Review Appraised Value** | **Field Review Variance Amount** | **Field Review Variance Percent** | **Field Review Company** | **Field Review Appraisal Date** | **2055 Appraised Value** | **2055 Variance Amount** | **2055 Variance Percent** | **2055 Company** | **2055 Appraisal Date** | **AVE/CMA Appraised Value** | **AVE/CMA Variance Amount** | **AVE/CMA Variance Percent** | **AVE/CMA Company** | **AVE/CMA Appraisal Date** | **Other Appraised Value** | **Other Variance Amount** | **Other Variance Percent** | **Other Appraisal Date** | **Updated Appraised Value** | **Updated Variance Amount** | **Updated Variance Percent** | **Updated Company** | **Updated Appraisal Date** | **Updated Appraisal Type** | **Loan Collateral Advisor Risk Score** | **Loan Collateral Advisor Risk Score Date** | **Is Eligible for Rep and Warrant Relief per Loan Collateral Advisor?** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score Date** |
| 20250717 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.7 |  |
| 20250549 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 53.02 | 53.02 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.2 |  |
| 20250541 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 20250542 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 20250548 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 20250551 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4 |  |
| 20250553 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 79.94 | 79.94 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.9 |  |
| 20250529 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 20250511 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.2 |  |
| 20250559 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 77.33 | 77.33 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 20250545 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 39.19 | 39.19 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 20250507 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.3 |  |
| 20250547 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 20250525 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 43.8 | 43.8 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 4.5 |  |
| 20250533 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 20250555 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Acceptable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 20250562 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0624 | XXX | XXX | XXX | XXX | XX/XX/XXXX | $XXX | $XXX | .0000 | XXX | Acceptable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 20250571 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 53.96 | 53.96 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Acceptable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 20250515 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.4 |  |
| 20250518 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.8 |  |
| 20250508 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 85.0 | 85.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 20250523 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 20250535 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 90.0 | 90.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Acceptable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 20250566 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 60.0 | 60.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.6 |  |
| 20250544 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Acceptable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 20250557 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.1 |  |
| 20250516 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 20250546 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.0 | 65.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 20250520 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.14 | 64.14 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 4 |  |
| 20250531 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 46.91 | 46.91 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.3 |  |
| 20250536 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 79.21 | 79.21 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 20250543 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 35.29 | 35.29 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 20250522 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.2 |  |
| 20250550 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.9 |  |
| 20250527 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.7 |  |
| 20250528 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.56 | 74.56 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.8 |  |
| 20250530 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.6 |  |
| 20250561 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.1 |  |
| 20250564 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 20250513 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2.6 |  |
| 20250568 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 72.46 | 72.46 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Acceptable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 20250521 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 44.39 | 44.39 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 20250506 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 20250524 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 69.19 | 69.19 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 20250510 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.33 | 65.33 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 20250514 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 65.0 | 65.0 | $XXX | $XXX | -.1176 | 2000 One Unit Appraisal Field Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | -.118 | XXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.3 |  |
| 20250517 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 58.06 | 58.06 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 20250552 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 58.13 | 58.13 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 2 |  |
| 20250558 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 20250560 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Acceptable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1 |  |
| 20250563 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1073 Individual Condo Report | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | N/A | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.7 |  |
| 20250538 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 20250519 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Acceptable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.6 |  |
| 20250505 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 57.51 | 57.51 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.9 |  |
| 20250509 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 67.24 | 67.24 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Acceptable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 3.3 |  |
| 20250526 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 62.67 | 62.67 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 1.5 |  |
| 20250554 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 72.78 | 72.78 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |
| 20250532 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 64.03 | 64.03 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 20250556 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 70.0 | 70.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX | $XXX | 0.00% | XX/XX/XXXX | $XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 20250716 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 42.04 | 42.04 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 20250534 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 3.7 |  |
| 20250565 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 74.34 | 74.34 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 20250537 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.3 |  |
| 20250567 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1 |  |
| 20250539 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Excellent | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.5 |  |
| 20250569 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 80.0 | 80.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Eligible | 1.8 |  |
| 20250540 | XXXXX |  | XX/XX/XXXX | $XXXXXX | $XXX | $XXX | $XXX | XX/XX/XXXX | 1004 URAR | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Reasonable | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible | 2.2 |  |
| 20250570 | XXXXX |  | XX/XX/XXXX | $XXXXXX |  | $XXX | $XXX | XX/XX/XXXX | 1025 Small Residential Income Report | $XXX | 75.0 | 75.0 | $XXX | $XXX | .0000 | Enhanced Desk Review |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | $XXX | $XXX | .0000 | XXX | Adequate | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | Not Eligible |  |  |

---

## Exhibit 99.32

[GCAT DEPOSITOR VI LLC ABS-15G](gcatnqm-abs15g.htm)

**Exhibit 99.32**

---

| | | |
|:---|:---|:---|
| **Loan ID** | **Other ID** | **Original Loan Amount** |
| 20250717 | XXXXX | $XXXXXX A |
| 20250549 | XXXXX | $XXXXXX A |
| 20250541 | XXXXX | $XXXXXX A |
| 20250542 | XXXXX | $XXXXXX A |
| 20250548 | XXXXX | $XXXXXX D A |
| 20250551 | XXXXX | $XXXXXX A |
| 20250553 | XXXXX | $XXXXXX A |
| 20250529 | XXXXX | $XXXXXX A |
| 20250511 | XXXXX | $XXXXXX A C |
| 20250559 | XXXXX | $XXXXXX A |
| 20250545 | XXXXX | $XXXXXX A |
| 20250507 | XXXXX | $XXXXXX A |
| 20250547 | XXXXX | $XXXXXX D A |
| 20250525 | XXXXX | $XXXXXX A |
| 20250533 | XXXXX | $XXXXXX A |
| 20250555 | XXXXX | $XXXXXX A |
| 20250562 | XXXXX | $XXXXXX A |
| 20250571 | XXXXX | $XXXXXX A |
| 20250515 | XXXXX | $XXXXXX A B |
| 20250518 | XXXXX | $XXXXXX A |
| 20250508 | XXXXX | $XXXXXX A |
| 20250523 | XXXXX | $XXXXXX A |
| 20250535 | XXXXX | $XXXXXX A |
| 20250566 | XXXXX | $XXXXXX A |
| 20250544 | XXXXX | $XXXXXX A |
| 20250557 | XXXXX | $XXXXXX A |
| 20250516 | XXXXX | $XXXXXX A |
| 20250546 | XXXXX | $XXXXXX A |
| 20250520 | XXXXX | $XXXXXX D B A |
| 20250531 | XXXXX | $XXXXXX A |
| 20250536 | XXXXX | $XXXXXX A |
| 20250543 | XXXXX | $XXXXXX A C |
| 20250522 | XXXXX | $XXXXXX A C |
| 20250550 | XXXXX | $XXXXXX C A |
| 20250527 | XXXXX | $XXXXXX D A C |
| 20250528 | XXXXX | $XXXXXX D A |
| 20250530 | XXXXX | $XXXXXX C A |
| 20250561 | XXXXX | $XXXXXX A |
| 20250564 | XXXXX | $XXXXXX A |
| 20250513 | XXXXX | $XXXXXX A |
| 20250568 | XXXXX | $XXXXXX A |
| 20250521 | XXXXX | $XXXXXX D A |
| 20250506 | XXXXX | $XXXXXX A C |
| 20250524 | XXXXX | $XXXXXX C A |
| 20250510 | XXXXX | $XXXXXX A C |
| 20250514 | XXXXX | $XXXXXX A |
| 20250517 | XXXXX | $XXXXXX A |
| 20250552 | XXXXX | $XXXXXX A |
| 20250558 | XXXXX | $XXXXXX A |
| 20250560 | XXXXX | $XXXXXX D A |
| 20250563 | XXXXX | $XXXXXX A |
| 20250538 | XXXXX | $XXXXXX A |
| 20250519 | XXXXX | $XXXXXX A |
| 20250505 | XXXXX | $XXXXXX D A |
| 20250509 | XXXXX | $XXXXXX A |
| 20250526 | XXXXX | $XXXXXX A |
| 20250554 | XXXXX | $XXXXXX A |
| 20250532 | XXXXX | $XXXXXX A |
| 20250556 | XXXXX | $XXXXXX A |
| 20250716 | XXXXX | $XXXXXX A |
| 20250534 | XXXXX | $XXXXXX A |
| 20250565 | XXXXX | $XXXXXX A |
| 20250537 | XXXXX | $XXXXXX A |
| 20250567 | XXXXX | $XXXXXX A |
| 20250539 | XXXXX | $XXXXXX A |
| 20250569 | XXXXX | $XXXXXX A |
| 20250540 | XXXXX | $XXXXXX A |
| 20250570 | XXXXX | $XXXXXX A |

---

## Exhibit 99.33

[GCAT DEPOSITOR VI LLC ABS-15G](gcatnqm-abs15g.htm)

**Exhibit 99.33**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
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| **Loan Number** | **Other ID** | **ULI** | **Settlement Date** | **QM Type** | **Guideline Name** | **UW Guideline Author** | **UW Guideline Version Date** | **UW Guideline Matrix Name** | **UW Guideline Matrix Date** | **QM Regulation Failures** | **Bedroom Count** | **Approval Status** | **Correspondent Name** | **Pool** | **Application Date** | **Note Date** | **Maturity Date** | **Loan Status** | **Loan Type** | **Product Type** | **Agency ID** | **TRID** | **ARM Hybrid Period** | **Number of Borrowers** | **Borrower 1 First Name** | **Borrower 1 Middle Name** | **Borrower 1 Last Name** | **Borrower 2 First Name** | **Borrower 2 Middle Name** | **Borrower 2 Last Name** | **Borrower 3 First Name** | **Borrower 3 Middle Name** | **Borrower 3 Last Name** | **Borrower 4 First Name** | **Borrower 4 Middle Name** | **Borrower 4 Last Name** | **Borrower Employment Indicator** | **Co Borrower Employment Indicator** | **Borrower 1 Job** | **Job Yrs Borrower 1** | **Borrower 2 Job** | **Job Yrs Borrower 2** | **Borrower 3 Job** | **Job Yrs Borrower 3** | **Borrower 4 Job** | **Job Yrs Borrower 4** | **Borrower 1 Occupation** | **Borrower 1 Years In Field** | **Borrower 2 Occupation** | **Borrower 2 Years In Field** | **Borrower 3 Occupation** | **Borrower 3 Years In Field** | **Borrower 4 Occupation** | **Borrower 4 Years In Field** | **Borrower 3 Income Verification Level** | **Borrower 4 Income Verification Level** | **Borrower 3 Employment Verification Level** | **Borrower 4 Employment Verification level** | **Borrower 1 First Time Buyer** | **Borrower 2 First Time Buyer** | **Borrower 3 First Time Buyer** | **Borrower 4 First Time Buyer** | **Representative Decision FICO Score** | **Borrower 3 Original FICO Equifax** | **Borrower 3 Original FICO Experian** | **Borrower 3 Original FICO Transunion** | **Borrower 4 Original FICO Equifax** | **Borrower 4 Original FICO Experian** | **Borrower 4 Original FICO Transunion** | **Borrower 1 Citizenship** | **Borrower 2 Citizenship** | **Borrower 3 Citizenship** | **Borrower 4 Citizenship** | **Documentation Type** | **Delayed Financing Flag** | **Asset Depletion Flag** | **Bank Statements Flag** | **Number of Statements** | **Type of Statements** | **Percent of Income From Statements** | **Months of Personal Bank Statements** | **Months of Business Bank Statements** | **Months of Business & Personal Bank Statements** | **Borrower Business Ownership %** | **CoBorrower Business Ownership %** | **P&L Type** | **Months of Profit and Loss Statements** | **CPA Letter Flag** | **Expense letter Flag** | **Number of Months CPA Verified Income** | **WVOE Flag** | **Number of Months WVOE** | **Borrower Years of W2s** | **CoBorrower Years of W2s** | **1- year Tax Return Flag** | **Years of Tax Transcripts** | **Years of Personal Tax Returns** | **Years of Business Tax Returns** | **Years of 4506T** | **Front HTI Ratio** | **Back DTI Ratio** | **Borrower 3 Asset Verification Level** | **Borrower 4 Asset Verification Level** | **Liquid Assets** | **Total Assets** | **Reserves** | **Property Street Address** | **City** | **State** | **County** | **Zip** | **MI Company Name** | **Mortgage Insurance** | **MI Coverage Amount** | **MI Certificate Number** | **Flood Insurance Provided** | **Flood Policy Amount** | **Flood Expiration Date** | **Name of Flood Insurer** | **Flood Policy Number** | **Monthly Flood Payment** | **Flood Coverage Amount** | **Flood Policy Active** | **Flood Coverage Adeq** | **Flood Map Panel** | **Flood Mapped Date** | **Flood Certificate Number** | **Flood Certificate Date** | **Flood Vendor Name** | **Flood Zone** | **Flood Community** | **Flood Contract Type** | **Flood Program Type** | **Hazard Policy Amount** | **Hazard Expiration Date** | **Hazard Insurer Name** | **Hazard Policy Number** | **Hazard Coverage Amount** | **Hazard Coverage Active** | **Hazard Coverage Adeq** | **Times 30 Days DQ on Prior Mortgage** | **Times 60 Days DQ on Prior Mortgage** | **Times 90 Days DQ on Prior Mortgage** | **Prior Bankruptcy Flag** | **Bankruptcy Filing Date** | **Prior Bankruptcy Chapter** | **Prior bankruptcy Discharge Date** | **Ever In Foreclosure** | **Most Recent Foreclosure Date** | **Number of Foreclosure Events** | **Most Recent Deed in Lieu Date** | **Number of Deed in Lieu Events** | **Months Deed in Lieu** | **Most Recent Short Sale Date** | **Number of Short Sale Events** | **Months Short Sale (or Pre FC)** | **Origination Lender** | **Late Charge Type** | **Late Charges Percent** | **APR** | **Temporary Buydown Flag** | **T4506 Income Supported** | **Total Subject Housing Fully Indexed** | **Qualifying Fully Indexed P&I** | **Total Subject Housing** | **Original P&I** | **PITI** | **T&I** | **HOA** | **Primary Housing Payment** | **Second Mortgage Payment** | **Months Reserves** | **Other Liens Payment** | **Silent Second Lien Flag** | **Second Lien Amount** | **Lease in Place 1007/Lease in file** | **Market Rents** | **Subject Rental Income** | **Approved DSCR** | **Investment/No Ratio DSCR** | **LLC Flag** | **LLC Name** | **Short Term Rental** | **Declining Market** | **Guarantor** | **Units** | **Borrower SSN** | **Co Borrower SSN** | **Tax Payment** | **Residual Income** | **Times 30 Days DQ on 12 Prior Months of Current Mortgage History** | **Times 60 Days DQ on 12 Prior Months of Current Mortgage History** | **Times 90 Days DQ on 12 Prior Months of Current Mortgage History** | **Condo Project Classification** | **Default Note Rate Provision** | **MERS Number** |
| 20250717 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | CHM Investor | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | ALT DOC | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 20250549 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | CHM Investor | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 20250541 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | CHM Investor | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 5/1 or 5/6 Mos ARM |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 20250542 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | CHM Investor | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 5/1 or 5/6 Mos ARM |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 20250548 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | CHM Investor | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX |  |
| 20250551 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | CHM Investor | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX | XXX |  | XXXXX | XXX |  | XXXXX | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  | XXX |  | XXX | 1 - Not Stated, Not Verified | 1 - Not Stated, Not Verified | 1 - Not Stated, Not Verified | 1 - Not Stated, Not Verified | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX | 3 - Verified<2Mos | 1 - Not Stated Not Verified | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 20250553 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | CHM Investor | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 20250529 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | CHM Alt Doc Prime Guidelines | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 20250511 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | CHM Wholesale Alt-Doc Express 1 Yr Tax Return 30 Yr Fixed | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Full Doc | No | No | No |  |  |  |  |  |  | XXX |  | Borrower Prepared | XXX | Yes | No | 288 | No |  | 0 | 0 | No |  | 1 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No |  | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 20250559 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | CHM Investor | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 20250545 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | CHM Investor | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed IO |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 20250507 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | CHM Alt Doc Express Guidelines | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | Third-Party Prepared (Unaudited) | XXX | Yes | No | 36 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX |  |
| 20250547 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | CHM Investor | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 20250525 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | CHM Alt Doc Prime Guidelines | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 252 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX |  |  |  |  | XXX | XXX |
| 20250533 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | CHM Alt Doc Prime Guidelines | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 14 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 00 |  | XXX | XXX |
| 20250555 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | CHM Wholesale Investor DSCR 75% - <100% 30 Yr Fixed | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 20250562 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | CHM Wholesale Investor DSCR >=100% - <125% 30 Yr Fixed | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 20250571 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | CHM Investor | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 |  |  |  | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 20250515 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | CHM Alt Doc Prime Guidelines | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 49 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 36 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 20250518 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | CHM Alt Doc Prime Guidelines | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 44 | No |  | 0 | 0 | No | 0 | 0 | 0 | 3 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 |  |  |  | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX |  |  |  |  | XXX | XXX |
| 20250508 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | CHM Alt Doc Express Guidelines | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 106 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 20250523 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | CHM Alt Doc Prime Guidelines | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | Audited | XXX | Yes | No | 30 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 20250535 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | CHM Alt Doc Prime Guidelines | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 20250566 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | CHM Investor | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 20250544 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | CHM Investor | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 20250557 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | CHM Investor | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 20250516 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | CHM Alt Doc Prime Guidelines | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | Third-Party Prepared (Unaudited) | XXX | Yes | No | 12 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 20250546 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | CHM Wholesale Investor DSCR 75% - <100% 30 Yr Fixed | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 20250520 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | CHM Alt Doc Prime Guidelines | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 60 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 |  | XXX |  |
| 20250531 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | CHM Alt Doc Prime Guidelines | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | Yes | No | 7 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 4.00 | XXX | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX |  |  |  |  | XXX | XXX |
| 20250536 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | CHM Alt Doc Prime Guidelines | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | Third-Party Prepared (Unaudited) | XXX | Yes | No | 84 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 | Warrantable | XXX | XXX |
| 20250543 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | CHM Investor | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 20250522 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | CHM Alt Doc Prime Guidelines | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 36 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 00 | 0 |  | XXX | XXX |
| 20250550 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | CHM Investor | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 20250527 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | CHM Alt Doc Prime Guidelines | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 20250528 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | CHM Alt Doc Prime Guidelines | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 20250530 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | CHM Alt Doc Prime Guidelines | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  | Yes | $XXX | XX/XX/XXXX | XXX | XXX | XXX | $XXX | XXX | Yes | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 20250561 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | CHM Investor | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Emergency Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 20250564 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | CHM Investor | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 20250513 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | CHM Alt Doc Express Guidelines | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 5/1 or 5/6 Mos ARM |  | Yes |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  |  |  |  | XXX | XXX | XXX | XXX | XXX | XXX |  |  |  |  | XXX | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  |  | 100.00 |  |  | Yes | No | 603 | Yes | 246 | 2 | 1 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 20250568 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | CHM Wholesale Investor DSCR >=100% - <125% 30 Yr Fixed | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 20250521 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | CHM Alt Doc Prime Guidelines | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | Audited | XXX | Yes | No | 110 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 20250506 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | CHM Alt Doc Advantage and Expanded Guidelines | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 24 | Business | 100.00 |  |  |  | XXX |  |  |  | Yes | No | 18 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 00 |  | XXX | XXX |
| 20250524 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | CHM Alt Doc Prime Guidelines | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 | 12 |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 20250510 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | CHM Alt Doc Express Guidelines | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  | XXX | XXX |  |  |  |  |  | XXX | XXX | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  |  | 100.00 | Audited | XXX | Yes | No | 12 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 20250514 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | CHM Alt Doc Express Guidelines | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | Audited | XXX | Yes | No | 12 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 20250517 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | CHM Alt Doc Prime Guidelines | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | Audited | XXX | Yes | No | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 20250552 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | CHM Investor | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 20250558 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | CHM Investor | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 20250560 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | CHM Wholesale Investor DSCR >=100% - <125% 30 Yr Fixed | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 20250563 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | CHM Wholesale Investor DSCR >=100% - <125% 30 Yr Fixed I/O | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX | XXX | XXX | XXXXX |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX |  | XXX |  |  | 1 - Not Stated, Not Verified |  | 1 - Not Stated, Not Verified |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX | 4 - Verified 2+ Mos |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 | Non-Warrantable | XXX | XXX |
| 20250538 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | CHM Alt Doc Prime Guidelines | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | Audited | XXX | Yes | No | 60 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 20250519 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | CHM Alt Doc Prime Guidelines | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | W2/1099 Verified | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 1 | 0 | No |  | 0 | 0 | 1 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX | XXX |  | XXX | XXX | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 20250505 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | CHM Alt Doc Advantage and Expanded Guidelines | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | Audited | XXX | Yes | No | 83 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX |  |  |  |  | XXX | XXX |
| 20250509 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | CHM Alt Doc Express Guidelines | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Personal | 100.00 | 12 |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 0 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 20250526 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | CHM Alt Doc Prime Guidelines | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 20250554 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | CHM Investor | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 20250532 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | CHM Alt Doc Prime Guidelines | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 20250556 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | CHM Investor | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 20250716 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | CHM Alt Doc Express Guidelines | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Asset Depletion – Debt Ratio Calculation | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 20250534 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | CHM Alt Doc Prime Guidelines | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX | XXX | XXX | XXXXX |  |  |  | XXX | XXX | XXX | XXX |  |  | XXX | XXX |  |  | XXX | XXX |  | XXX | XXX | XXX |  |  | 3 - Stated, Partially Verified |  | 3 - Stated, 3rd Party Verification |  | XXX | XXX | XXX |  | XXX | XXX | XXX | XXX |  |  |  | XXX | XXX | XXX |  | 12 Month Bank Statement | No | No | Yes | 12 | Business | 100.00 |  |  |  | XXX |  |  |  | No | No | 0 | Yes | 238 | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX | 3 - Verified<2Mos |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 0 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 20250565 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | CHM Investor | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX | XXX | XXX | XXX | XXX | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 20250537 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | CHM Alt Doc Prime Guidelines | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX | XXX |  | XXXXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX | XXX |  |  | XXX |  |  |  |  |  |  | XXX | XXX |  |  | Asset Utilization (No DTI) | No | Yes | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX | XXX | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 20250567 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | CHM Investor | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 20250539 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | CHM Alt Doc Prime Guidelines | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | Audited | XXX | Yes | No | 24 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 20250569 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | CHM Investor | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Cc | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX | $XXX | $XXX |  | XXX |  |  |  | No | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |
| 20250540 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: CDFI Lender Exempt | XXX | XXX | XX/XX/XXXX | CHM Alt Doc Prime Guidelines | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | Conventional | 30 Year Fixed |  | Yes |  | XXX | XXX | XXX | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  | XXX | XXX |  |  |  |  |  |  | XXX | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | 1YR Business P&L | No | No | No |  |  |  |  |  |  | XXX |  | Audited | XXX | Yes | No | 67 | No |  | 0 | 0 | No | 0 | 0 | 0 | 2 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 |  |  |  | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 | XXX | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  |  |  |  |  |  | XXX |  |  | XXX |  | XXX | XXX |  | $XXX | $XXX |  |  |  |  | XXX | XXX |
| 20250570 | XXXXX | XXX | XX/XX/XXXX | ATR/QM: Exempt | XXX | XXX | XX/XX/XXXX | CHM Investor | XX/XX/XXXX |  | XXX | Approved |  | XXX | XX/XX/XXXX | XX/XX/XXXX | XX/XX/XXXX | Cleared | DSCR | 30 Year Fixed |  | No |  | XXX | XXX |  | XXXXX |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  |  |  |  |  |  |  |  | XXX |  |  |  | XXX |  |  |  |  |  |  | XXX |  |  |  | Debt Service Coverage Ratio | No | No | No |  |  |  |  |  |  |  |  |  |  | No | No | 0 | No |  | 0 | 0 | No | 0 | 0 | 0 | 0 | XXX | XXX |  |  | $XXX | $XXX | $XXX | XXX | XXX | XXX | XXX | XXX |  | No |  |  |  |  |  |  |  |  |  |  |  | XXX | XX/XX/XXXX | XXX | XX/XX/XXXX | XXX | XXX | XXX | Life of Loan | Regular Program | $XXX | XX/XX/XXXX | XXX | XXX | $XXX | 1 | 1 | XXX | XXX | 0 | XXX |  |  |  | XXX |  | 0 |  | 0 |  |  | 0 |  | XXX | Percent | 5.00 |  | No | Not Applicable | XXX | XXX | $XXX | $XXX | $XXX | $XXX |  | $XXX |  | XXX |  |  |  | Yes | $XXX | $XXX | XXX |  | XXX |  | XXX | XXX |  | XXX | XXX |  | $XXX | $XXX | XXX | 0 | 0 |  | XXX | XXX |

---

## Exhibit 99.34

[GCAT DEPOSITOR VI LLC ABS-15G](gcatnqm-abs15g.htm)

**Exhibit 99.34**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan ID** | **Other ID** | **Seller Loan ID** | **Field Name** | **Verified Value** | **Bid Tape Value** | **Comment** |
| 20250717 | XXXXX |  | Borrower 1 FTHB | XXX | XXX | Not XXX. Borrower's own Primary with a MTG. |
| 20250717 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX |  |
| 20250541 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per disclosure |
| 20250542 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per disclosure |
| 20250553 | XXXXX |  | Borrower 1 Citizen | XXX | XXX | XXX. Card in file |
| 20250529 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per desk review |
| 20250511 | XXXXX |  | Borrower 1 Citizen | XXX | XXX | Borrower is a XXX. |
| 20250511 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Data entry. |
| 20250545 | XXXXX |  | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | Audited. |
| 20250545 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Audited. |
| 20250507 | XXXXX |  | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | Audited. |
| 20250507 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX |  |
| 20250547 | XXXXX |  | Borrower 1 Citizen | XXX | XXX | Per 1003Per approval |
| 20250547 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX |  |
| 20250525 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per Appraisal Receipt document |
| 20250533 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per disclosure |
| 20250555 | XXXXX |  | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | Data entry. |
| 20250562 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Data entry. |
| 20250571 | XXXXX |  | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | Data entry. |
| 20250515 | XXXXX |  | Borrower 1 Citizen | XXX | XXX | Audited. |
| 20250515 | XXXXX |  | Borrower 1 FTHB | XXX | XXX | Mapping issue. |
| 20250515 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX |  |
| 20250518 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per appraisal receipt |
| 20250508 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per Appraisal Receipt document |
| 20250523 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Audited. |
| 20250535 | XXXXX |  | Borrower 1 FTHB | XXX | XXX | Borrower is a XXX. Lender acknowledged on the 1008. |
| 20250535 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Data entry. |
| 20250544 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Data entry. |
| 20250516 | XXXXX |  | Borrower 1 FTHB | XXX | XXX | Mapping issue. |
| 20250516 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Audited. |
| 20250546 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Data entry. |
| 20250520 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX |  |
| 20250531 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per Appraisal Receipt document |
| 20250536 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per appraisal receipt |
| 20250543 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Audited. |
| 20250522 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Audited. |
| 20250550 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per desk review |
| 20250527 | XXXXX |  | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | Per CD |
| 20250528 | XXXXX |  | Cash Disbursement Date | XX/XX/XXXX | XX/XX/XXXX | Per CD |
| 20250528 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per appraisal receipt |
| 20250530 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per desk review |
| 20250564 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Audited. |
| 20250513 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per disclosure |
| 20250521 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Audited. |
| 20250506 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per appraisal receipt |
| 20250524 | XXXXX |  | Borrower 1 FTHB | XXX | XXX | Per 1003 |
| 20250524 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per desk review |
| 20250510 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per desk review |
| 20250514 | XXXXX |  | Reviewed Appraised Property Value | XXX | XXX | Using cash-out for reserves |
| 20250514 | XXXXX |  | Qualifying CLTV | XXX | XXX | Per Field Review |
| 20250514 | XXXXX |  | Qualifying LTV | XXX | XXX | Per Field Review |
| 20250514 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX |  |
| 20250517 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Audited. |
| 20250552 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per Appraisal Receipt document |
| 20250558 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per desk review |
| 20250560 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Data entry. |
| 20250563 | XXXXX |  | Reviewed Appraised Property Value | XXX | XXX | Used previous sales price |
| 20250563 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX |  |
| 20250538 | XXXXX |  | Borrower 1 FTHB | XXX | XXX | Mapping issue. |
| 20250538 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Audited. |
| 20250505 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per Appraisal Receipt document |
| 20250509 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX |  |
| 20250526 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX |  |
| 20250532 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per desk review |
| 20250556 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per desk review |
| 20250716 | XXXXX |  | Borrower 1 Citizen | XXX | XXX | Borrower is XXX |
| 20250716 | XXXXX |  | Borrower 1 FTHB | XXX | XXX | Borrower is XXX |
| 20250716 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per disclosure |
| 20250534 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per Appraisal Receipt document |
| 20250565 | XXXXX |  | Qualifying FICO | XXX | XXX | Per credit report |
| 20250565 | XXXXX |  | Reviewed Appraised Property Value | XXX | XXX | Per prior sale date |
| 20250565 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per desk revirw |
| 20250537 | XXXXX |  | Borrower 1 FTHB | XXX | XXX | Per 1003 |
| 20250537 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per desk review |
| 20250539 | XXXXX |  | Borrower 1 Citizen | XXX | XXX | Borrower is a XXX |
| 20250539 | XXXXX |  | Borrower 1 FTHB | XXX | XXX | XXX |
| 20250539 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX |  |
| 20250540 | XXXXX |  | Borrower 1 FTHB | XXX | XXX | Per Final 1003 |
| 20250540 | XXXXX |  | Borrower Appraisal Receipt Date | XX/XX/XXXX | XX/XX/XXXX | Per Appraisal Receipt document |

---

## Exhibit 99.35

[GCAT DEPOSITOR VI LLC ABS-15G](gcatnqm-abs15g.htm)

**Exhibit 99.35**

![](ex9935001.jpg)

Executive Summary

GCAT 2025-NQM3

(1) Type of Assets.

Covius Real Estate Services, LLC ("CRES") performed the due diligence services described below on behalf of SG Capital Partners LLC (the "Client"). The loans were originated by one Seller and acquired directly (or indirectly) by Blue River Mortgage VI LLC through Reliance Letters. The loan reviews were conducted from February 2025 through April 2025.

(2) Number of Assets.

There are 55 assets in the loan population.

(3) Review Process.

The post-closing loan review was graded in accordance with the following NRSRO(s) Third Party Due- Diligence Criteria, in addition to the review grading of "Meets Guidelines" or "Does Not Meet Guidelines":

---

| | |
|:---|:---|
| &nbsp;&nbsp;**NRSRO** | &nbsp;&nbsp;**Title and Date of Criteria** |
| &nbsp;&nbsp;Kroll Bond Rating Agency, LLC | &nbsp;&nbsp;● US RMBS Rating Methodology, dated December 7, 2023 |
| &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 |

---

The post-closing review included a re-underwrite of each borrowers' credit, an analysis of the property valuation, and regulatory compliance testing. Post-closing reviews are underwritten to the applicable lender's or client's underwriting guidelines and credit matrices. The review scope and methodology of these different review areas is discussed in subsequent sections of this document.

(4) Sample size of the assets reviewed.

The due diligence review was conducted on 100% of the loan population and consisted of 55 mortgage loans with an aggregate original principal balance of approximately $26,752,835. The mortgage loans originated from January 2025 through March 2025 by 21 correspondent Sellers.

(5) Asset Review

In connection with the credit re-underwrite, CRES reviewed all origination documentation to determine conformity to the applicable underwriting guidelines and other regulatory requirements described below, including (if applicable) the Ability to Repay and Qualified Mortgage requirements. Review areas included, but are not limited to:

Page 1 of 11

**Credit Review and Methodology**

**Credit Report**: Analyzed the Borrower's credit report/credit history, confirming that credit scores, liabilities and public records met guideline requirements. Liabilities gathered from the credit report were included in the re-calculation of the debt-to-income ratio as appropriate. In addition the following data was also captured and reviewed to confirm compliance with guideline and ASF reporting requirements: (i) credit report date, (ii) bankruptcy date, (iii) bankruptcy discharge date, (iv) bankruptcy chapter, (v) foreclosure date, (vi) short sell date, (vii) longest trade line (active), (viii) longest trade line balance (active), (ix) months reviewed, (x) number of trade lines, (xi) credit scores, (xii) revolving debts and (xiii) installments debts.

**Loan Application (1003):** Reviewed the Borrower's Loan Application including comparison of initial loan application against the final loan application, or other loan applications found in the file, to identify potential discrepancies. In addition the following data was also captured and reviewed to confirm compliance with guideline and ASF reporting requirements: (i) purpose, (ii) years in primary residence, (iii) number of mortgaged properties (as compared with the credit reports disclosed mortgages), (iv) application date, (v) borrower information (name, date of birth, social security number and number of family members), (vi) borrower's address, (vii) borrower(s)' employment information (including address, years at job, years in field), (vii) monthly income and (ix) citizenship.

**Loan Approval/Exception Form (if applicable):** Reviewed the Lender's approval and Client's exception approval documentation to confirm appropriate risk mitigating factors were present when granting exceptions.

**Sales Contract (if applicable):** Reviewed the sales contract to confirm buyer(s) and seller(s), sales price and property address matches other documents.

**Title:** Reviewed the title policy or commitment to identify possible judgments or other liens that may have existed at origination. In addition, proper vesting and parties (as disclosed on sales contract, note, and deed) were reflected accurately.

**Hazard and Flood Insurance:** Reviewed hazard and flood (if applicable) insurance to ensure policy met the minimum required amount of replacement coverage.

**Employment and Income (DTI Loans):** Reviewed borrower(s)' employment and income documentation used for qualification purposes and as applicable, Appendix Q or Ability to Repay, including recalculation of debt-to-income ratio (DTI) to confirm compliance with underwriting guidelines. Items reviewed included: (i) verbal or written verifications of employment, (ii) pay stubs, (iii) W-2's, (iv) federal tax returns, (v) bank statements, (vi) profit and loss statements, and (vii) IRS tax transcripts (when provided).

**Leases and Market Rents (DSCR Loans):** Reviewed lease agreements and third-party market rent documents to confirm compliance with Debt-Service-Coverage-Ratio requirements. Note, the documentation that can be used to establish market rents can vary from lender to lender. CRES reviews the market rent source, to ensure compliance with applicable guidelines. In some cases, lenders may not require proof of market rents, if a sourced payment history can be provided along with the lease agreement.

**Assets:** Reviewed (i) bank statements, (ii) verification-of-deposit (VOD) and (iii) stock or security account statements to ensure adequate assets were provided verifying down payment, closing costs and reserves required by the guidelines.

Page 2 of 11

**Guidelines:** Confirmed compliance with applicable underwriting guidelines and determined the qualification of credit and income, assets, property type and usage, LTV/CLTV, and documentation requirements to applicable underwriting guidelines and loan program matrices. Items included, but not limited to: FICO, housing history, bankruptcy and foreclosure seasoning, occupancy, credit grade, loan amounts (minimum and maximum), maximum cash out amount, reserves, residual income, minimum trade lines and debt to service coverage ratio requirements.

Unless otherwise stated in the Lender's or Client's guidelines, Fannie Mae guidelines prevail.

**Property Valuation Review and Methodology**

CRES reviewed the Appraisal for completeness and conformance to industry standards, including requirements set forth in Title XI of FIRREA. The review included both data and description information provided by the appraiser. Review items included: (i) property address and borrower information matches the mortgage note and other critical origination documents, (ii) neighborhood characteristics and housing trends were acceptable and met applicable underwriting guidelines, (iii) site information for zoning compliance and possible adverse site notations reviewed for adverse conditions, FEMA Flood Zone designation matched the Flood Certification, (iv) property type and property description information met applicable underwriting guidelines, (v) comparable sales (sale dates, distance, gross and net adjustments, square footage, and value) met industry standards and were properly bracketed, (vi) comparable size, style, and location were similar to the subject address, (vii) condition of the property was average or better and notable repairs were addressed, (viii) appraisal was made on an "as is" basis or proper evidence of completion was obtained and clearly documented and addressed all "subject to" conditions noted, (ix) subject and comparable photos reviewed to ensure appraisal description information coincides with property pictures and that no visible adverse issues are present that the appraiser did not address, (x) appraisal was completed by a licensed appraiser and (xi) appraisal was completed within the required timing requirements, as disclosed in the applicable underwriting guidelines.

A Fannie Mae UCDP Submission Summary Report with a Collateral Underwriter Risk Score of 2.5 or less or a secondary enhanced desk review product, (such as an ARR from ProTeck or CDA from Clear Capital), from an approved AMC was required on all transactions. In lieu of an enhanced desk review product, a field review or second appraisal from an approved AMC is acceptable. If the Appraisal Review Product value is more than 10% below the appraised value, a second field review or appraisal was required. In certain cases, sellers may include an enhanced desk review product from an approved AMC. All ARR or CDA documentation provided by an approved AMC vendor was recorded by CRES, as an acceptable valuation support option as long as valuations were obtained in accordance with guidelines and through notable AMC vendors. Any loans that did not maintain an enhanced desk review or did not meet the Client's vendor requirements were conditioned and communicated with the Client.

For loans that did not maintain an acceptable enhanced desk review product, CRES ordered an Appraisal Risk Review (ARR) or Collateral Desktop Analysis (CDA) from various Appraisal Management Companies for valuation support. All loans outside of a 10% variance from the original appraised value were identified and communicated to the Client.

If material origination valuation discrepancies could not be resolved an exception was created and the applicable NRSROs valuation grade was recorded.

**Compliance Review Methodology**

CRES reviews on consumer loans included comprehensive audit of fees and disclosed federal, state, municipal requirements along with timing of delivery requirements for TRID related Loan Estimates (LE's) and the Initial Closing Disclosure (CD's). The reviews track delivery and receipt requirements for all LE's and CD's, tracks fee changes and changed circumstances affecting fees, provides a fee tolerance comparison across all LE's and CD's.

Page 3 of 11

In addition to the TRID specific items, the loans were also subject to the following Pre-TRID and Post- TRID compliance testing. Note that certain loans may be classified as "business purpose". In such cases certain compliance TILA and Regulation Z requirements were not tested, as the law's provisions do not apply to an extension of credit if primarily for business or a commercial purpose (12 C.F.R. §1026.3(a); 15 U.S.C. § 1603).

*CRES utilizes a third-party compliance company's software for certain compliance tests. The following Pre-TRID, TRID, Qualified Mortgage (QM), and High Costs related test were completed within the third-party compliance software:*

Qualified Mortgage (12 CFR § 1026.43)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Negative Amortization Loan test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Interest Only Loan test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Balloon Payment Loan test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(IV) Loan Term test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(V) Points and Fees test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(VI) The Qualified Mortgage DTI Threshold test.

Federal High-Cost Mortgage (HOEPA - Amended) (12 CFR §1026.32)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) APR threshold test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Points and fees threshold test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Prepayment penalty threshold test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(IV) Is Not a High-Costs Mortgage.

Federal Higher-Priced Mortgage Loan (2013 Provisions) (12 CFR §1026.35)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Higher-Priced Mortgage Loan test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Higher-priced mortgage loan required escrow account test.

Federal TILA (12 CFR §1026.15, 18, 22, 23 and 36)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) TILA finance charge test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) TILA APR test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Dual Broker Compensation test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(IV) Loan originator credits test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(V) TILA Financing of Single Premium Credit Insurance test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(VI) TILA Right of Rescission Test:

Initial Loan Estimate Timing Requirements (12 CFR §1026.19)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Initial loan estimate delivery date test (from application).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Initial loan estimate delivery date test (prior to consummation).

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Written list of service provider's disclosure date test.

Revised Loan Estimate Timing Requirements (12 CFR §1026.19)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Revised loan estimate delivery date test (prior to consummation).

Revised Loan Estimate Timing & Changed Circumstances Requirements (12 CFR §1026.19)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Valid or invalid changed circumstances test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Revised loan estimate delivery date and changed circumstances date test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Revised loan estimate lender credits test.

Page 4 of 11

Initial Closing Disclosure Timing Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Initial closing disclosure delivery date test. (12 CFR
§1026.19).

Initial Closing Disclosure Timing & Changed Circumstances Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Valid or invalid changed circumstances test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Initial closing disclosure delivery date and changed circumstances date test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Initial closing disclosure lender credits test.

Revised Closing Disclosure Timing Requirements (12 CFR §1026.19 and 22)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) APR Tolerance Test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Revised Closing Disclosure Waiting Period Required test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Revised closing disclosure delivery date test.

Revised Closing Disclosure Timing & Changed Circumstances Requirements

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Valid or invalid changed circumstances test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Revised closing disclosure delivery date and changed circumstances date test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Revised closing disclosure delivery date and date the rate was set test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(IV) Revised closing disclosure lender credits test.

Integrated Disclosures Tolerance & Reimbursement Provisions (12 CFR §1026.19)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Charges that cannot increase test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Lender credits that cannot decrease test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) Charges that in total cannot increase more than 10% test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(IV) Charges that can have an unlimited increase test.

Federal RESPA (12 CFR §§1024.8, 1024.20, 1026.33)

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(I) Homeownership counseling organizations disclosure date test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(II) Good Faith Estimate disclosure date test.

&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;&nbsp;(III) RESPA "Your Credit or Charge" (802) Disallowed Credit and Charge test.

In addition to the checks disclosed above, various state license-based consumer lending and licensing laws and regulations tests were also completed using the third-party compliance software.

On applicable loans ("Covered Loans' with an Application Dates => 10/3/2015), SFIG RMBS 3.0 TRID Compliance Review Scope was used to test compliance with TILA/RESPA Integrated Disclosure rules.

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

CRES reviews all loan transactions that are covered by the Ability to Repay rule as set forth in Regulation Z- Truth in Lending Act (TILA) to determine whether the lender considered and evaluated the eight underwriting factors. The eight factors reviewed are: (i) Current or reasonably expected income or assets (other than the value of the property that secures the loan) that the consumer will rely on to repay the loan, (ii) Current employment status (if you rely on employment income when assessing the consumer's ability to repay), (iii) Projected monthly mortgage payment for this loan (calculated using the introductory or fully- indexed rate, whichever is higher, and monthly, fully-amortizing payments that are substantially equal), (iv) Projected monthly payment on any simultaneous loans secured by the same property, (v) Monthly payments for property taxes and insurance that you require the consumer to buy, and certain other costs related to the property such as homeowners association fees or ground rent, (vi) Debts, alimony, and child- support obligations, (vii) Monthly debt-to-income ratio or residual income, calculated using the total of all of the mortgage and non-mortgage obligations listed above, as a ratio of gross monthly income, and (viii) Credit history.

Page 5 of 11

*<u>Qualified Mortgage</u>*

When applicable, CRES assessed the borrower(s)' QM classification and re-assigns a due diligence reviewed QM or Non-QM type for each loan. Loans are classified into one of the following categories: (i) QM/Non-Higher Priced Mortgage Loan (safe harbor): Loans that meet the rule's definition of a QM and are eligible for safe harbor protection, (ii) QM/GSE Temporary (safe harbor) – Loans that are eligible for purchase by Fannie Mae or Freddie Mac and therefore is exempt from the Appendix Q/43% DTI provision, but otherwise meets the QM safe harbor definition (iii) QM/High Priced Mortgage Loan (rebuttable presumption): Loans that meet the rule's definition of a QM and are eligible for rebuttable presumption protection, (iv) QM/GSE Temporary (rebuttable presumption) - Loans that are eligible for purchase by Fannie Mae or Freddie Mac and therefore is exempt from the Appendix Q/43% DTI provision, but otherwise meets the QM rebuttable presumption definition (v) Non-QM Compliant: Loans that do not meet the QM definition but fully comply with the ATR rule, (vi) Non- QM/Non-Compliant: Loans that do not meet the QM definition and do not comply with the ATR rule, and (vii) Not Covered/Exempt: Loans that are not covered by the rule.

Note that CRES determines the mortgage loan's status under the ATR or QM rule requirements and assigns a proper due diligence mortgage loan designation that is solely based on the documentation available at the time of the review. Loans in the population were reviewed to the new General QM requirements.

*The table below contains the TRID eligible breakdown for the loan population:*

---

| | | |
|:---|:---|:---|
|  | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage of Population** |
| &nbsp;&nbsp;**Investment/Business Purpose Loans** | &nbsp;&nbsp;32 | &nbsp;&nbsp;58.18% |
| &nbsp;&nbsp;**Initial Application Date prior to October 3, 2015** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**CRES Level II TRID Review** | &nbsp;&nbsp;23 | &nbsp;&nbsp;41.82% |

---

**Document Review**

CRES 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):

● Appraisal.

● Asset documentation.

● Business Purpose Certification (if applicable)

● Changed circumstance documentation.

● Credit report.

● FACTA disclosures.

● Final 1003.

● Final HUD-1/Closing Disclosure(s).

● Hazard and/or flood insurance policies.

● HUD from sale of previous residence.

● Homeownership counseling organizations disclosure.

● Income and employment documentation.

● Initial and final GFE's.

● Initial application (1003).

● Initial escrow disclosure.

● Initial TIL.

● Leases

● Loan Estimate(s).

● Market Rent supporting documentation

Page 6 of 11

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

● Mortgage Insurance.

● Mortgage/Deed of Trust.

● Note.

● Notice of Special Flood Hazards.

● Sales contract.

● Tangible Net Benefit Disclosure.

● Title/Preliminary Title.

● Written List of Service Providers.

(6) Tape Data Compare

CRES compared data fields on the data tape provided by the Client to the data points disclosed on the actual mortgage loan file documents, as captured by CRES. When data was available, the following data elements were compared:

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Note Date | &nbsp;&nbsp;Property City |
| &nbsp;&nbsp;CLTV | &nbsp;&nbsp;Interest Rate | &nbsp;&nbsp;Note Type | &nbsp;&nbsp;Property State |
| &nbsp;&nbsp;Doc Level | &nbsp;&nbsp;Lien Position | &nbsp;&nbsp;Occupancy | &nbsp;&nbsp;Property Zip |
| &nbsp;&nbsp;DSCR | &nbsp;&nbsp;Loan Term | &nbsp;&nbsp;Original Balance | &nbsp;&nbsp;Purpose |
| &nbsp;&nbsp;FICO | &nbsp;&nbsp;LTV | &nbsp;&nbsp;P&I Payment | &nbsp;&nbsp; QM Type |
| &nbsp;&nbsp;Appraised Value | &nbsp;&nbsp;First Payment Date | &nbsp;&nbsp;Note Date | &nbsp;&nbsp; Property City |

---

The seller provided CRES with loan level data regarding the mortgage loans for the data integrity check. CRES received the data directly from the seller through a loan registrations system or via a data tape.

Of the 55 mortgage loans reviewed, twenty-nine unique mortgage loans had a tape discrepancy across 20 data fields. The following table discloses the number of data discrepancies noted by field name. Note, tape data was not provided on certain field compare values. The fields in which tape data were not available is noted below; however, a data discrepancy was not counted if the seller failed to provide a compare value.

---

| | | | |
|:---|:---|:---|:---|
| &nbsp;&nbsp;**Field Compare** | &nbsp;&nbsp;**Discrepancy: No** | &nbsp;&nbsp;**Discrepancy: Yes** | &nbsp;&nbsp;**Total** |
| &nbsp;&nbsp;**Appraised Value** | &nbsp;&nbsp;44 | &nbsp;&nbsp;11 | &nbsp;&nbsp;55 |
| &nbsp;&nbsp;**CLTV** | &nbsp;&nbsp;49 | &nbsp;&nbsp;6 | &nbsp;&nbsp;55 |
| &nbsp;&nbsp;**DSCR\*** | &nbsp;&nbsp;55 | &nbsp;&nbsp;0 | &nbsp;&nbsp;55 |
| &nbsp;&nbsp;**DTI** | &nbsp;&nbsp;42 | &nbsp;&nbsp;13 | &nbsp;&nbsp;55 |
| &nbsp;&nbsp;**FICO** | &nbsp;&nbsp;49 | &nbsp;&nbsp;6 | &nbsp;&nbsp;55 |
| &nbsp;&nbsp;**First Payment Date** | &nbsp;&nbsp;55 | &nbsp;&nbsp;0 | &nbsp;&nbsp;55 |
| &nbsp;&nbsp;**Interest Rate** | &nbsp;&nbsp;54 | &nbsp;&nbsp;1 | &nbsp;&nbsp;55 |
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;55 | &nbsp;&nbsp;0 | &nbsp;&nbsp;55 |
| &nbsp;&nbsp;**Loan Term** | &nbsp;&nbsp;55 | &nbsp;&nbsp;0 | &nbsp;&nbsp;55 |
| &nbsp;&nbsp;**LTV** | &nbsp;&nbsp;49 | &nbsp;&nbsp;6 | &nbsp;&nbsp;55 |
| &nbsp;&nbsp;**Note Date\*** | &nbsp;&nbsp;55 | &nbsp;&nbsp;0 | &nbsp;&nbsp;55 |
| &nbsp;&nbsp;**Note Type** | &nbsp;&nbsp;54 | &nbsp;&nbsp;1 | &nbsp;&nbsp;55 |
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;54 | &nbsp;&nbsp;1 | &nbsp;&nbsp;55 |
| &nbsp;&nbsp;**Original Balance** | &nbsp;&nbsp;52 | &nbsp;&nbsp;3 | &nbsp;&nbsp;55 |
| &nbsp;&nbsp;**P&I Payment** | &nbsp;&nbsp;55 | &nbsp;&nbsp;0 | &nbsp;&nbsp;55 |
| &nbsp;&nbsp;**Property City** | &nbsp;&nbsp;54 | &nbsp;&nbsp;1 | &nbsp;&nbsp;55 |
| &nbsp;&nbsp;**Property State** | &nbsp;&nbsp;55 | &nbsp;&nbsp;0 | &nbsp;&nbsp;55 |
| &nbsp;&nbsp;**Property Zip** | &nbsp;&nbsp;53 | &nbsp;&nbsp;2 | &nbsp;&nbsp;55 |
| &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;53 | &nbsp;&nbsp;2 | &nbsp;&nbsp;55 |
| &nbsp;&nbsp;**QM Type\*** | &nbsp;&nbsp;55 | &nbsp;&nbsp;0 | &nbsp;&nbsp;55 |
| &nbsp;&nbsp;\* Tape data was not available. | &nbsp;&nbsp;\* Tape data was not available. | &nbsp;&nbsp;\* Tape data was not available. | &nbsp;&nbsp;\* Tape data was not available. |

---

Page 7 of 11

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

(7) Credit, Compliance and Property Valuation Results

**Credit Results Summary**

Approximately 100.00% of the mortgage loans by number have a Credit grade of "B" or higher and 99.91% of the mortgage loans by number have a Credit grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;50 | &nbsp;&nbsp;91.91% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;5 | &nbsp;&nbsp;9.09% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**55** | &nbsp;&nbsp;**100.00%** |

---

**Compliance Results Summary**

Approximately 100.00% of all mortgage loans by number have a Compliance grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;55 | &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;**Total** | &nbsp;&nbsp;**55** | &nbsp;&nbsp;**100.00%** |

---

**Property Valuation Results Summary**

Approximately 100.00% of the mortgage loans by number have a Valuation grade of "B" or higher and 98.18% of the mortgage loans by number have a Valuation grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;54 | &nbsp;&nbsp;98.18% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.82% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**55** | &nbsp;&nbsp; **100.00%** |

---

**Overall Results Summary**

Approximately 100.00% of all loans by number received an "A" or "B" overall grade and 89.09% of all loans by number received an overall grade of "A".

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**NRSRO Grade** | &nbsp;&nbsp;**Loan Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;A | &nbsp;&nbsp;49 | &nbsp;&nbsp;89.09% |
| &nbsp;&nbsp;B | &nbsp;&nbsp;6 | &nbsp;&nbsp;10.91% |
| &nbsp;&nbsp;C | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**55** | &nbsp;&nbsp;**100.00%** |

---

Page 8 of 11

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

(8) Pool Stratification Summary

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Lien Position** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;First | &nbsp;&nbsp;55 | &nbsp;&nbsp;100.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**55** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Note Type** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**Arm** | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.82% |
| &nbsp;&nbsp;**Fixed** | &nbsp;&nbsp;54 | &nbsp;&nbsp;98.18% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**55** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Occupancy** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**Owner Occupied** | &nbsp;&nbsp;20 | &nbsp;&nbsp;36.36% |
| &nbsp;&nbsp;**Non-Owner Occupied** | &nbsp;&nbsp;32 | &nbsp;&nbsp;58.18% |
| &nbsp;&nbsp;**Second Home** | &nbsp;&nbsp;3 | &nbsp;&nbsp;5.45% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**55** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Purpose** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**Purchase** | &nbsp;&nbsp;34 | &nbsp;&nbsp;61.82% |
| &nbsp;&nbsp;**Refi - Cash Out** | &nbsp;&nbsp;19 | &nbsp;&nbsp;34.55% |
| &nbsp;&nbsp;**Rate Term Refi** | &nbsp;&nbsp;2 | &nbsp;&nbsp;3.64% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**55** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Property Type** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**Single Family** | &nbsp;&nbsp;22 | &nbsp;&nbsp;40.00% |
| &nbsp;&nbsp;**PUD** | &nbsp;&nbsp;12 | &nbsp;&nbsp;21.82% |
| &nbsp;&nbsp;**Condo** | &nbsp;&nbsp;9 | &nbsp;&nbsp;16.36% |
| &nbsp;&nbsp;**2-4 Family** | &nbsp;&nbsp;12 | &nbsp;&nbsp;21.82% |
| &nbsp;&nbsp;**Commercial** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Townhome** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Mixed Use** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**55** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Debt to Income** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**0-9.99%\*** | &nbsp;&nbsp;3 | &nbsp;&nbsp;9.09% |
| &nbsp;&nbsp;**10%-19.99%** | &nbsp;&nbsp;4 | &nbsp;&nbsp;12.12% |
| &nbsp;&nbsp;**20%-29.99%** | &nbsp;&nbsp;8 | &nbsp;&nbsp;24.24% |
| &nbsp;&nbsp;**30%-39.99%** | &nbsp;&nbsp;6 | &nbsp;&nbsp;18.18% |
| &nbsp;&nbsp;**40%-49.99%** | &nbsp;&nbsp;12 | &nbsp;&nbsp;36.36% |
| &nbsp;&nbsp;**50%-60.00%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**33** | &nbsp;&nbsp;**100.00%** |
| &nbsp;&nbsp;**Twenty-two loans in the pool were underwritten to a Debt Service Coverage Ratio ("DSCR") program.** | &nbsp;&nbsp;**Twenty-two loans in the pool were underwritten to a Debt Service Coverage Ratio ("DSCR") program.** | &nbsp;&nbsp;**Twenty-two loans in the pool were underwritten to a Debt Service Coverage Ratio ("DSCR") program.** |

---

Page 9 of 11

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**DSCR Loans** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp; **<0 or** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp; **0-0.1999** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp; **0.2-0.3999** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp; **0.4-0.5999** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp; **0.6-0.7999** | &nbsp;&nbsp;1 | &nbsp;&nbsp;4.55% |
| &nbsp;&nbsp; **0.8-.9999** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp; **1-1.1999** | &nbsp;&nbsp;13 | &nbsp;&nbsp;59.09% |
| &nbsp;&nbsp; **1.2-1.3999** | &nbsp;&nbsp;6 | &nbsp;&nbsp;27.27% |
| &nbsp;&nbsp; **1.4-1.5999** | &nbsp;&nbsp;1 | &nbsp;&nbsp;4.55% |
| &nbsp;&nbsp; **1.6-1.7999** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp; **1.8-1.9999** | &nbsp;&nbsp;1 | &nbsp;&nbsp;4.55% |
| &nbsp;&nbsp; **=>2** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**22** | &nbsp;&nbsp;**100.00%** |

---

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**Loan to Value** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**10%-19.99%** | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.82% |
| &nbsp;&nbsp;**20%-29.99%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;1.82% |
| &nbsp;&nbsp;**30%-39.99%** | &nbsp;&nbsp;1 | &nbsp;&nbsp;3.64% |
| &nbsp;&nbsp;**40%-49.99%** | &nbsp;&nbsp;1 | &nbsp;&nbsp;7.27% |
| &nbsp;&nbsp;**50%-59.99%** | &nbsp;&nbsp;4 | &nbsp;&nbsp;9.09% |
| &nbsp;&nbsp;**60%-69.99%** | &nbsp;&nbsp;11 | &nbsp;&nbsp;9.09% |
| &nbsp;&nbsp;**70%-79.99%** | &nbsp;&nbsp;27 | &nbsp;&nbsp;29.09% |
| &nbsp;&nbsp;**80%-89.99%** | &nbsp;&nbsp;11 | &nbsp;&nbsp;38.18% |
| &nbsp;&nbsp;**90%-100%** | &nbsp;&nbsp;0 | &nbsp;&nbsp;0.00% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**3** | &nbsp;&nbsp;**100.00%** |

---

Page 10 of 11

---

| | | |
|:---|:---|:---|
| &nbsp;&nbsp;**State** | &nbsp;&nbsp;**Count** | &nbsp;&nbsp;**Percentage** |
| &nbsp;&nbsp;**AZ** | &nbsp;&nbsp;3 | &nbsp;&nbsp;5.45% |
| &nbsp;&nbsp;**CA** | &nbsp;&nbsp;9 | &nbsp;&nbsp;16.36% |
| &nbsp;&nbsp;**CO** | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.82% |
| &nbsp;&nbsp;**DE** | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.82% |
| &nbsp;&nbsp;**FL** | &nbsp;&nbsp;9 | &nbsp;&nbsp;16.36% |
| &nbsp;&nbsp;**GA** | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.82% |
| &nbsp;&nbsp;**IL** | &nbsp;&nbsp;3 | &nbsp;&nbsp;5.45% |
| &nbsp;&nbsp;**KY** | &nbsp;&nbsp;2 | &nbsp;&nbsp;3.64% |
| &nbsp;&nbsp;**LA** | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.82% |
| &nbsp;&nbsp;**MI** | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.82% |
| &nbsp;&nbsp;**MO** | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.82% |
| &nbsp;&nbsp;**NC** | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.82% |
| &nbsp;&nbsp;**NJ** | &nbsp;&nbsp;4 | &nbsp;&nbsp;7.27% |
| &nbsp;&nbsp;**NM** | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.82% |
| &nbsp;&nbsp;**NY** | &nbsp;&nbsp;3 | &nbsp;&nbsp;5.45% |
| &nbsp;&nbsp;**OR** | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.82% |
| &nbsp;&nbsp;**SC** | &nbsp;&nbsp;2 | &nbsp;&nbsp;3.64% |
| &nbsp;&nbsp;**TN** | &nbsp;&nbsp;5 | &nbsp;&nbsp;9.09% |
| &nbsp;&nbsp;**TX** | &nbsp;&nbsp;4 | &nbsp;&nbsp;7.27% |
| &nbsp;&nbsp;**UT** | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.82% |
| &nbsp;&nbsp;**VA** | &nbsp;&nbsp;1 | &nbsp;&nbsp;1.82% |
| &nbsp;&nbsp;**Total** | &nbsp;&nbsp;**55** | &nbsp;&nbsp;**100.00%** |

---

Page 11 of 11

## Exhibit 99.36

[GCAT DEPOSITOR VI LLC ABS-15G](gcatnqm-abs15g.htm)

**Exhibit 99.36**

---

| | | | | |
|:---|:---|:---|:---|:---|
| ![](covius_image001.jpg) |  |  |  |  |
| **ATR QM Data Fields** | **ATR QM Data Fields** |  |  |  |
| *Loans in Report: 55* |  |  |  |  |
| **Client Loan Number** | **Alt Loan Number** | **Loan Level ATR/QM Status** | **Application Date Prior to 1/10/2014** | **TRID Indicator** |
| XXXXXXXXXXXX | 20250615 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXX | 20250616 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXX | 20250617 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXX | 20250619 | Not covered/exempt | No | No |
| XXXXXXXXXXXX | 20250620 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXX | 20250625 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXX | 20250627 | Not covered/exempt | No | No |
| XXXXXXXXXXXX | 20250628 | Not covered/exempt | No | No |
| XXXXXXXXXXXX | 20250629 | Not covered/exempt | No | No |
| XXXXXXXXXXXX | 20250630 | Not covered/exempt | No | No |
| XXXXXXXXXXXX | 20250631 | Not covered/exempt | No | No |
| XXXXXXXXXXXX | 20250633 | Not covered/exempt | No | No |
| XXXXXXXXXXXX | 20250635 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXX | 20250636 | Not covered/exempt | No | No |
| XXXXXXXXXXXX | 20250638 | Not covered/exempt | No | No |
| XXXXXXXXXXXX | 20250639 | Not covered/exempt | No | No |
| XXXXXXXXXXXX | 20250640 | Not covered/exempt | No | No |
| XXXXXXXXXXXX | 20250641 | Not covered/exempt | No | No |
| XXXXXXXXXXXX | 20250648 | Not covered/exempt | No | No |
| XXXXXXXXXXXX | 20250613 | Not covered/exempt | No | No |
| XXXXXXXXXXXX | 20250651 | Not covered/exempt | No | No |
| XXXXXXXXXXXX | 20250653 | Not covered/exempt | No | No |
| XXXXXXXXXXXX | 20250655 | Not covered/exempt | No | No |
| XXXXXXXXXXXX | 20250656 | Not covered/exempt | No | No |
| XXXXXXXXXXXX | 20250657 | Not covered/exempt | No | No |
| XXXXXXXXXXXX | 20250658 | Not covered/exempt | No | No |
| XXXXXXXXXXXX | 20250659 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXX | 20250661 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXX | 20250662 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXX | 20250663 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXX | 20250664 | Not covered/exempt | No | No |
| XXXXXXXXXXXX | 20250665 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXX | 20250669 | Not covered/exempt | No | No |
| XXXXXXXXXXXX | 20250670 | Not covered/exempt | No | No |
| XXXXXXXXXXXX | 20250672 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXX | 20250673 | Not covered/exempt | No | No |
| XXXXXXXXXXXX | 20250679 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXX | 20250614 | Not covered/exempt | No | No |
| XXXXXXXXXXXX | 20250684 | Not covered/exempt | No | No |
| XXXXXXXXXXXX | 20250686 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXX | 20250687 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXX | 20250692 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXX | 20250696 | Not covered/exempt | No | No |
| XXXXXXXXXXXX | 20250697 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXX | 20250698 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXX | 20250699 | Not covered/exempt | No | No |
| XXXXXXXXXXXX | 20250703 | Not covered/exempt | No | No |
| XXXXXXXXXXXX | 20250704 | Not covered/exempt | No | No |
| XXXXXXXXXXXX | 20250705 | Not covered/exempt | No | No |
| XXXXXXXXXXXX | 20250707 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXX | 20250711 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXX | 20250712 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXX | 20250713 | Not covered/exempt | No | No |
| XXXXXXXXXXXX | 20250714 | Non-QM: Compliant with ATR | No | Yes |
| XXXXXXXXXXXX | 20250715 | Non-QM: Compliant with ATR | No | Yes |
| **55** |  |  |  |  |

---

## Exhibit 99.37

[GCAT DEPOSITOR VI LLC ABS-15G](gcatnqm-abs15g.htm)

**Exhibit 99.37**

---

| | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|
| **Loan Number** | **Alt Loan Number** | **Tape** | **Audited** | **Field Compare** | **Variance** | **Data Discrepancy Flag** |
| XXXXXXXXXX | 20250711 | 41.23 | 32.44 | DTI | -8.79 | Yes |
| XXXXXXXXXX | 20250661 | 38.235 | 19.38 | DTI | -18.855 | Yes |
| XXXXXXXXXX | 20250714 | 44.98 | 49.06 | DTI | 4.08 | Yes |
| XXXXXXXXXX | 20250698 | 36.81 | 33.3 | DTI | -3.51 | Yes |
| XXXXXXXXXX | 20250713 | 9.8 | 21.47 | DTI | 11.67 | Yes |
| XXXXXXXXXX | 20250679 | 36.069 | 41.89 | DTI | 5.821 | Yes |
| XXXXXXXXXX | 20250625 | 10 | 19.89 | DTI | 9.89 | Yes |
| XXXXXXXXXX | 20250620 | 29 | 32.55 | DTI | 3.55 | Yes |
| XXXXXXXXXX | 20250669 | 29.102 | 32.5 | DTI | 3.398 | Yes |
| XXXXXXXXXX | 20250659 | 20.713 | 17.51 | DTI | -3.203 | Yes |
| XXXXXXXXXX | 20250712 | 41.446 | 47.34 | DTI | 5.894 | Yes |
| XXXXXXXXXX | 20250703 | 45.054 | 40.98 | DTI | -4.074 | Yes |
| XXXXXXXXXX | 20250662 | 31.63 | 36.43 | DTI | 4.8 | Yes |
| XXXXXXXXXX | 20250636 | 25 | 28.5714 | LTV | 3.5714 | Yes |
| XXXXXXXXXX | 20250613 | 75 | 74 | LTV | -1 | Yes |
| XXXXXXXXXX | 20250653 | 20.83 | 19.5313 | LTV | -1.2987 | Yes |
| XXXXXXXXXX | 20250655 | 62.95 | 65 | LTV | 2.05 | Yes |
| XXXXXXXXXX | 20250619 | 75 | 80 | LTV | 5 | Yes |
| XXXXXXXXXX | 20250705 | 29.82 | 33.4646 | LTV | 3.6446 | Yes |
| XXXXXXXXXX | 20250636 | 25 | 28.5714 | CLTV | 3.5714 | Yes |
| XXXXXXXXXX | 20250613 | 75 | 74 | CLTV | -1 | Yes |
| XXXXXXXXXX | 20250653 | 20.83 | 19.5313 | CLTV | -1.2987 | Yes |
| XXXXXXXXXX | 20250655 | 62.95 | 65 | CLTV | 2.05 | Yes |
| XXXXXXXXXX | 20250619 | 75 | 80 | CLTV | 5 | Yes |
| XXXXXXXXXX | 20250705 | 29.82 | 33.4646 | CLTV | 3.6446 | Yes |
| XXXXXXXXXX | 20250673 | XXXXXXXXXX | XXXXXXXXXX | Original Balance | XXXXXXXXXX | Yes |
| XXXXXXXXXX | 20250619 | XXXXXXXXXX | XXXXXXXXXX | Original Balance | XXXXXXXXXX | Yes |
| XXXXXXXXXX | 20250613 | XXXXXXXXXX | XXXXXXXXXX | Original Balance | XXXXXXXXXX | Yes |
| XXXXXXXXXX | 20250679 | XXXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXXXXXXX | Yes |
| XXXXXXXXXX | 20250640 | XXXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXXXXXXX | Yes |
| XXXXXXXXXX | 20250653 | XXXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXXXXXXX | Yes |
| XXXXXXXXXX | 20250619 | XXXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXXXXXXX | Yes |
| XXXXXXXXXX | 20250633 | XXXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXXXXXXX | Yes |
| XXXXXXXXXX | 20250656 | XXXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXXXXXXX | Yes |
| XXXXXXXXXX | 20250613 | XXXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXXXXXXX | Yes |
| XXXXXXXXXX | 20250664 | XXXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXXXXXXX | Yes |
| XXXXXXXXXX | 20250705 | XXXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXXXXXXX | Yes |
| XXXXXXXXXX | 20250655 | XXXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXXXXXXX | Yes |
| XXXXXXXXXX | 20250636 | XXXXXXXXXX | XXXXXXXXXX | Appraised Value | XXXXXXXXXX | Yes |
| XXXXXXXXXX | 20250638 | XXXXXXXXXX | XXXXXXXXXX | Interest Rate | XXXXXXXXXX | Yes |
| XXXXXXXXXX | 20250679 | 735 | 757 | FICO | 22 | Yes |
| XXXXXXXXXX | 20250673 | 787 | 803 | FICO | 16 | Yes |
| XXXXXXXXXX | 20250655 | 720 | 730 | FICO | 10 | Yes |
| XXXXXXXXXX | 20250625 | 750 | 751 | FICO | 1 | Yes |
| XXXXXXXXXX | 20250657 | 794 | 714 | FICO | -80 | Yes |
| XXXXXXXXXX | 20250659 | 811 | 797 | FICO | -14 | Yes |
| XXXXXXXXXX | 20250669 | 7 yr Hybrid | ARM | Note Type | Yes | Yes |
| XXXXXXXXXX | 20250635 | XXXXXXXXXX | XXXXXXXXXX | Property City | Yes | Yes |
| XXXXXXXXXX | 20250641 | XXXXXXXXXX | XXXXXXXXXX | Property Zip | Yes | Yes |
| XXXXXXXXXX | 20250635 | XXXXXXXXXX | XXXXXXXXXX | Property Zip | Yes | Yes |
| XXXXXXXXXX | 20250714 | XXXXXXXXXX | XXXXXXXXXX | Occupancy | Yes | Yes |
| XXXXXXXXXX | 20250613 | Refi - Cash Out | Rate Term Refi | Purpose | Yes | Yes |
| XXXXXXXXXX | 20250704 | Refi - Cash Out | Rate Term Refi | Purpose | Yes | Yes |

---

## Exhibit 99.38

[GCAT DEPOSITOR VI LLC ABS-15G](gcatnqm-abs15g.htm)

**Exhibit 99.38**

---

| | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **Rating Agency Exceptions Report: 6/3/2025** | **Rating Agency Exceptions Report: 6/3/2025** | **Rating Agency Exceptions Report: 6/3/2025** | **Rating Agency Exceptions Report: 6/3/2025** | **Rating Agency Exceptions Report: 6/3/2025** | **Rating Agency Exceptions Report: 6/3/2025** | **Rating Agency Exceptions Report: 6/3/2025** | **Rating Agency Exceptions Report: 6/3/2025** | **Rating Agency Exceptions Report: 6/3/2025** | **Rating Agency Exceptions Report: 6/3/2025** | **Rating Agency Exceptions Report: 6/3/2025** | **Rating Agency Exceptions Report: 6/3/2025** | **Rating Agency Exceptions Report: 6/3/2025** | **Rating Agency Exceptions Report: 6/3/2025** | **Rating Agency Exceptions Report: 6/3/2025** | **Rating Agency Exceptions Report: 6/3/2025** | **Rating Agency Exceptions Report: 6/3/2025** | **Rating Agency Exceptions Report: 6/3/2025** | **Rating Agency Exceptions Report: 6/3/2025** |
| **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Loan Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Exception Information** | **Event Level** |
| **Loan Number** | **Loan Number 2** | **Property State** | **Purpose** | **Occupancy** | **Property Type** | **DTI** | **DSCR** | **FICO** | **LTV** | **Note Original Balance** | **Exception ID** | **Exception Type** | **Exception Description** | **Exception Note** | **Exception General Comment** | **Compensating Factors** | **Exception Status** | **Grade** |
| XXXXXXXXXXX | 20250616 | FL | Purchase | Owner Occupied | PUD | 39.51 |  | 781 | 80.00% | XXXXXXXXXXX | 299198 | Compliance | Initial Escrow | The initial Loan Estimate and all subsequent LE's are missing from the loan file. | 2/13/2025: Document provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXXX | 20250616 | FL | Purchase | Owner Occupied | PUD | 39.51 |  | 781 | 80.00% | XXXXXXXXXXX | 299201 | Credit | Eligibilty | A XXXX month housing history is required. No open and active mortgages reporting on initial credit or free and clear properties require pre-approval. | Preapproval for incomplete housing history approved by XXXX and in file. |  | Cleared Exception A | 1 |
| XXXXXXXXXXX | 20250616 | FL | Purchase | Owner Occupied | PUD | 39.51 |  | 781 | 80.00% | XXXXXXXXXXX | 299264 | Credit | Warranty Deed / Quit Claim Deed | The Warranty/ Grant Deed is missing from the loan file. | 2/13/2025: Document provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXXX | 20250616 | FL | Purchase | Owner Occupied | PUD | 39.51 |  | 781 | 80.00% | XXXXXXXXXXX | 299543 | Compliance | Closing Disclosure | This loan failed the initial closing disclosure delivery date test. Provide documentation that the initial CD was delivered at least 3 days prior to closing. | 2/18/2025: Document provided to cure |  | Cleared Exception A | 1 |
| XXXXXXXXXXX | 20250619 | MI | Purchase | Non-Owner Occupied | Three-Unit Property | 0 | 1.352 | 728 | 80.00% | XXXXXXXXXXX | 299734 | Credit | Eligibilty | The final Amortization Schedule is missing from the loan file. | 2/28/2025: Document provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXXX | 20250619 | MI | Purchase | Non-Owner Occupied | Three-Unit Property | 0 | 1.352 | 728 | 80.00% | XXXXXXXXXXX | 299735 | Property | Appraisal | A 3rd party appraisal review from an XXXX approved vendor is missing from the loan file. | 2/28/2025: Document provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXXX | 20250619 | MI | Purchase | Non-Owner Occupied | Three-Unit Property | 0 | 1.352 | 728 | 80.00% | XXXXXXXXXXX | 299736 | Credit | Borrower Eligibilty | The Certification of Business Purpose disclosure is missing from the loan file. | 2/28/2025: Document provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXXX | 20250619 | MI | Purchase | Non-Owner Occupied | Three-Unit Property | 0 | 1.352 | 728 | 80.00% | XXXXXXXXXXX | 299785 | Credit | Doc Type | The Occupancy Certification disclosure is missing from the loan file. | 2/28/2025: Document provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXXX | 20250620 | SC | Refi - Cash Out | Owner Occupied | Single Family Detached | 32.55 |  | 688 | 39.17% | XXXXXXXXXXX | 299715 | Credit | Warranty Deed / Quit Claim Deed | The warranty/ grant deed from XXXX to the borrower is missing from the loan file. | 2/26/2025: Document provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXXX | 20250620 | SC | Refi - Cash Out | Owner Occupied | Single Family Detached | 32.55 |  | 688 | 39.17% | XXXXXXXXXXX | 299765 | Credit | Borrower Eligibilty | Subject property is currently vested in a corporation, [Redacted]. Provide evidence of ownership of this corporation to verify the borrower is the owner of the property. | 2/26/2025: Document provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXXX | 20250625 | NJ | Purchase | Owner Occupied | Condo Attached | 19.89 |  | 751 | 76.00% | XXXXXXXXXXX | 299737 | Credit | AUS/Loan Approval | Loan locked as XXXX. Provide the AUS Certificate. | 02/21/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXXX | 20250628 | TN | Purchase | Non-Owner Occupied | Two-Unit Property | 23.59 |  | 808 | 80.00% | XXXXXXXXXXX | 299815 | Credit | Income | The 4506-C Tax Transcripts for XXXX-XXXX are missing from the loan file. | 2/28/2025: Document provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXXXX | 20250629 | TN | Purchase | Non-Owner Occupied | Two-Unit Property | 23 |  | 808 | 80.00% | XXXXXXXXXXX | 299790 | Credit | Income | The XXXX-XXXX Tax Transcripts are missing from the loan file. | 02/26/25: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXXXX | 20250630 | TN | Purchase | Non-Owner Occupied | Two-Unit Property | 23 |  | 808 | 80.00% | XXXXXXXXXXX | 299819 | Credit | Income | The 4506-C Tax Transcripts for XXXX-XXXX are missing from the loan file. | 2/28/2025: Document provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXXXX | 20250635 | OR | Refi - Cash Out | Owner Occupied | PUD | 43.03 |  | 726 | 79.41% | XXXXXXXXXXX | 299676 | Credit | Income | Income from borrower XXXX is based on XXXX months business bank statements; the XXXX statement for XXXX #XXXX is missing from the loan file to complete a full XXXX months. Final income/ DTI pending. | 02/24/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXXX | 20250635 | OR | Refi - Cash Out | Owner Occupied | PUD | 43.03 |  | 726 | 79.41% | XXXXXXXXXXX | 299683 | Property | Appraisal | CU score is 3.2; A 3rd party appraisal review from an XXXX approved vendor (ServiceLink, Consolidated Analytics, Summit Valuations or Stewart) is missing from the loan file. | 02/24/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXXX | 20250639 | NC | Purchase | Non-Owner Occupied | PUD | 6.9 | 0 | 756 | 80.00% | XXXXXXXXXXX | 299693 | Credit | Occupancy | The Occupancy Certification form is missing from the loan file. | 2/26/2025: Document provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXXXXX | 20250639 | NC | Purchase | Non-Owner Occupied | PUD | 6.9 | 0 | 756 | 80.00% | XXXXXXXXXXX | 299694 | Credit | Employment-Self Employment | According to the underwriting guidelines, an internet search of the business is required to support the business narrative. In this case, the documentation is missing from the loan file. | 2/26/2025: Document provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXXXXX | 20250639 | NC | Purchase | Non-Owner Occupied | PUD | 6.9 | 0 | 756 | 80.00% | XXXXXXXXXXX | 299695 | Credit | Employment | According to the underwriting guidelines, bank statement loans require a validation of a minimum of XXXX years existence of the business. In this case the borrower has been XXXX XXXX yr XXXX mo but in the same line of work prior to XXXX | Exception for XXXX > XXXX years approved by XXXX and in file. | DTI - 6.90%, Months Of Reserves - XXXX | Client Accepted B | 2 |
| XXXXXXXXXXX | 20250640 | MO | Purchase | Non-Owner Occupied | Single Family Detached | 0 | 1.012 | 791 | 80.00% | XXXXXXXXXXX | 299670 | Credit | Borrower Eligibilty | Per guidelines no open and active mortgages reporting on credit or free and clear properties will require pre-approval. | 2/21: not in XXXX guides. |  | Cleared Exception D A | 1 |
| XXXXXXXXXXX | 20250648 | FL | Refi - Cash Out | Non-Owner Occupied | PUD | 0 | 1.062 | 809 | 69.70% | XXXXXXXXXXX | 299661 | Credit | Eligibilty | According to the guidelines, subject property recently vacated by the borrower requires a lease and proof of three months' rent paid at new primary residence in order to consider the property. Transaction is ineligible if borrower is living rent free. | Exception for borrower living rent free approved by XXXX and in file. | Credit Score - 809, Months Of Reserves - XXXX, LTV - 69.70% | Client Accepted D B | 2 |
| XXXXXXXXXXX | 20250648 | FL | Refi - Cash Out | Non-Owner Occupied | PUD | 0 | 1.062 | 809 | 69.70% | XXXXXXXXXXX | 299662 | Credit | Final 1003 | The final signed 1003 is missing from the loan file. | 02/21/25: Documentation provided to cure. |  | Cleared Exception D B | 1 |
| XXXXXXXXXXX | 20250653 | CA | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.1072 | 703 | 19.53% | XXXXXXXXXXX | 299709 | Credit | Closing Disclosure | The final Closing Disclosure/Hud-1 is missing from the loan file. | 02/26/25: Documentation provided to cure. |  | Cleared Exception D B | 1 |
| XXXXXXXXXXX | 20250653 | CA | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.1072 | 703 | 19.53% | XXXXXXXXXXX | 299900 | Property | Appraisal | The subject property county is located in a XXXX. Provide a post-disaster inspection report for the property. | 2/28: XXXX has agreed to clear based on appraiser comments. | Credit Score - 802, LTV - 19.53% | Client Accepted D B | 2 |
| XXXXXXXXXXX | 20250657 | CA | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.166 | 714 | 74.03% | XXXXXXXXXXX | 299712 | Property | Appraisal | Appraisal states subject property is owner occupied; provide a corrected appraisal showing tenant occupied. | 03/03/25: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXXXX | 20250657 | CA | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.166 | 714 | 74.03% | XXXXXXXXXXX | 299713 | Property | Appraisal | Per guidelines no income from the rental of an XXXX is permitted to be used for qualification unless the zoning permits an XXXX and the appraisal contains the following: Appraisal reflects the XXXX is legal and the market rent for the XXXX must be documented on the 1007. | 3/3: Need appraisal to show XXXX market rents: one for the main unit and a separate market rent for the AXXXXDU. Cannot be combined.<br> 3/7/2025: It appears that the appraiser may have combined the income together however per the guidelines, the market rent for the accessory unit must be documented on the 1007.<br> 3/12: Still need Form 1007 to show the market rent for the main house AND a separate market rent for the XXXX. Cannot be combined. 3/18: XXXX has agreed to clear. |  | Cleared Exception D A | 1 |
| XXXXXXXXXXX | 20250658 | NY | Purchase | Non-Owner Occupied | Two-Unit Property | 0 | 1.0065 | 794 | 60.00% | XXXXXXXXXXX | 299703 | Credit | Eligibilty | According to the underwriting guidelines, the minimum square footage allowed for each unit is XXXX ft. In this case, Unit #XXXX is XXXX sq ft., which does not meet the guideline requirement. | 02/21/25: Ok per XXXX. Not in XXXX guides. |  | Cleared Exception A | 1 |
| XXXXXXXXXXX | 20250662 | VA | Refi - Cash Out | Owner Occupied | Condo Attached | 36.43 |  | 637 | 43.01% | XXXXXXXXXXX | 300054 | Credit | Eligibilty | The Final Amortization Schedule is missing from the loan file. | 3/10/2025: Document provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXXX | 20250663 | AZ | Refi - Cash Out | Owner Occupied | Single Family Detached | 22.86 |  | 687 | 70.00% | XXXXXXXXXXX | 299175 | Credit | Note | The Note was incomplete, only 1 page of the note was provided in the loan file. | 2/13/2025: The note provided was not signed. <br> 2/14/2025: Document provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXXX | 20250665 | NJ | Refi - Cash Out | Owner Occupied | Single Family Detached | 46.05 |  | 686 | 49.02% | XXXXXXXXXXX | 299513 | Credit | Income - Self Employment | Provide verification of CPA's license, documentation provided does not show the license number. | 02/19/25: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXXXX | 20250669 | CA | Purchase | Non-Owner Occupied | Single Family Detached | 32.5 |  | 729 | 80.00% | XXXXXXXXXXX | 299596 | Credit | Closing Disclosure | The executed Final Closing Disclosure is missing from the loan file. The XXXX CD was used for calculations. | 02/20/25: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXXXX | 20250669 | CA | Purchase | Non-Owner Occupied | Single Family Detached | 32.5 |  | 729 | 80.00% | XXXXXXXXXXX | 299599 | Credit | Warranty Deed / Quit Claim Deed | The Warranty Deed is missing from the loan file. | 02/20/25: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXXXX | 20250670 | CA | Purchase | Non-Owner Occupied | Single Family Detached | 0 | 1.0083 | 751 | 71.00% | XXXXXXXXXXX | 299468 | Credit | Hazard Insurance | The Property Insurance does not contain rental loss coverage. | 2/14/2025: Post consummation document provided to cure. |  | Cleared Exception B | 2 |
| XXXXXXXXXXX | 20250670 | CA | Purchase | Non-Owner Occupied | Single Family Detached | 0 | 1.0083 | 751 | 71.00% | XXXXXXXXXXX | 299473 | Credit | Warranty Deed / Quit Claim Deed | The Warranty Deed is missing from the loan file. | 2/14/2025: Document provided to cure. |  | Cleared Exception B | 1 |
| XXXXXXXXXXX | 20250672 | FL | Purchase | Owner Occupied | PUD | 8.28 |  | 762 | 80.00% | XXXXXXXXXXX | 299885 | Credit | Income - Self Employment | The loan file included XXXX months of business statements, XXXX- XXXX provide an additional bank statement to verify XXXX months of business statements for the bank statement program. | 03/03/25: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXXXX | 20250673 | CA | Purchase | Non-Owner Occupied | Single Family Detached | 2.63 |  | 803 | 67.55% | XXXXXXXXXXX | 299722 | Credit | Doc Type | The final Amortization Schedule is missing from the loan file. | 02/26/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXXX | 20250679 | TX | Purchase | Owner Occupied | PUD | 41.89 |  | 757 | 77.42% | XXXXXXXXXXX | 299755 | Credit | Income | Tax Professional license must be verified. | 2/26/2025: Document provided to cure. |  | Cleared Exception D B | 1 |
| XXXXXXXXXXX | 20250679 | TX | Purchase | Owner Occupied | PUD | 41.89 |  | 757 | 77.42% | XXXXXXXXXXX | 299756 | Credit | Income | Letter from Tax Preparer must attest that the Expense Ratio represents an accurate summary of the applicable cash expenses of the business. | 2/26/2025: Tax preparer letter did not attest that the expense ratio represents an accurate summary of the cash expenses. <br> 3/7/2025: Post consummation letter provided to cure. |  | Cleared Exception D B | 2 |
| XXXXXXXXXXX | 20250679 | TX | Purchase | Owner Occupied | PUD | 41.89 |  | 757 | 77.42% | XXXXXXXXXXX | 299758 | Credit | Employment-Self Employment | Business Narrative reflects no use of vehicles. Provide an LOE from the borrower how an air duct cleaning service company does not require the use of vehicles. | 2/21: XXXX has approved the XXXX% expense ratio. |  | Cleared Exception D B | 1 |
| XXXXXXXXXXX | 20250684 | FL | Refi - Cash Out | Non-Owner Occupied | Three-Unit Property | 0 | 1.3434 | 717 | 75.00% | XXXXXXXXXXX | 299741 | Credit | Credit - Eligiblity | The certificate of formation/articles of organization for REO XXXX was not located in the file. | 02/27/25: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXXXX | 20250684 | FL | Refi - Cash Out | Non-Owner Occupied | Three-Unit Property | 0 | 1.3434 | 717 | 75.00% | XXXXXXXXXXX | 299742 | Credit | Credit | The mortgage with XXXX #XXXX that was paid off at closing did not have a full 1XXXX2 month payment history provided. the mortgage statements only shows payments form XXXX through XXXX (XXXX months). | 02/27/25: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXXXX | 20250687 | IL | Purchase | Owner Occupied | Single Family Detached | 13.36 |  | 656 | 75.00% | XXXXXXXXXXX | 299332 | Credit | Program Eligibilty | Per guidelines borrowers with no investment properties retaining their departing residence as a rental require preapproval. | 02/24/25: A pre-approval was provided by XXXX |  | Cleared Exception A | 1 |
| XXXXXXXXXXX | 20250692 | TX | Purchase | Owner Occupied | PUD | 47.18 |  | 771 | 80.00% | XXXXXXXXXXX | 299653 | Credit | Employment | According to the underwriting guidelines, an internet search of the business is required to support the business narrative. In this case, the documentation is missing from the loan file. | 02/19/25: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXXXX | 20250692 | TX | Purchase | Owner Occupied | PUD | 47.18 |  | 771 | 80.00% | XXXXXXXXXXX | 299655 | Credit | Credit | Borrowers with no investment properties retaining their departing residence as a rental require preapproval. | 02/17/25: A pre-approval was provided by XXXX. |  | Cleared Exception D A | 1 |
| XXXXXXXXXXX | 20250696 | KY | Purchase | Non-Owner Occupied | Condo Attached | 0 | 1.0185 | 771 | 72.00% | XXXXXXXXXXX | 299925 | Credit | Eligibilty | The Final Amortization Schedule is missing from the loan file. | 03/06/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXXX | 20250696 | KY | Purchase | Non-Owner Occupied | Condo Attached | 0 | 1.0185 | 771 | 72.00% | XXXXXXXXXXX | 299926 | Credit | Condo/PUD | The Condo Project Questionnaire is missing from the loan file. | 03/06/25: Documentation provided to cure. Warrantable condo. |  | Cleared Exception A | 1 |
| XXXXXXXXXXX | 20250699 | IL | Purchase | Non-Owner Occupied | Condo Attached | 0 | 0.7561 | 737 | 70.00% | XXXXXXXXXXX | 300394 | Credit | Flood Certificate | The Flood Certificate has an incorrect unit number for the subject property address. | 3/26/2025: Document provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXXX | 20250703 | TX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 40.98 |  | 665 | 54.99% | XXXXXXXXXXX | 300010 | Credit | Loan Purpose | According to the underwriting guidelines, all loans must be submitted to an automated fraud and data check tool (i.e. Frauguard, DataVerify, etc.). In this case, the documentation is not included in the loan file. | 3/7/2025: Document provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXXX | 20250703 | TX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 40.98 |  | 665 | 54.99% | XXXXXXXXXXX | 300011 | Credit | Doc Type | The Final Amortization Schedule is missing from the loan file. | 3/7/2025: Document provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXXX | 20250703 | TX | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 40.98 |  | 665 | 54.99% | XXXXXXXXXXX | 300012 | Credit | HUD-1 | Provide evidence of ownership for the following XXXX properties that are reflected on the borrowers XXXX Tax Return 1040 schedule E: 1. XXXX, 2 XXXX, 3. XXXX, 4. XXXX and XXXX. If properties are still owned provide evidence of liabilities to be included in the DTI. | 3/14: Provide an LOE from the borrower explaining why XXXX properties not owned by the borrowers are listed on their personal tax return. 03/18/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXXX | 20250704 | NM | Rate Term Refi | Non-Owner Occupied | Two-Unit Property | 0 | 1.2144 | 778 | 75.00% | XXXXXXXXXXX | 299957 | Compliance | Other | The subject property address on the Rate Lock is XXXX but the loan docs state XXXX. Provide verification of the correct subject address. | 3/7/2025: Lender confirmed the rate lock has been updated. |  | Cleared Exception A | 1 |
| XXXXXXXXXXX | 20250705 | FL | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.2626 | 785 | 33.46% | XXXXXXXXXXX | 299901 | Credit | Final 1003 | Section 8: Demographic Information is not completed on the final 1003. | 03/03/25: Documentation provided to cure. |  | Cleared Exception D A | 1 |
| XXXXXXXXXXX | 20250707 | NJ | Purchase | Second Home | Condo Detached | 47.34 |  | 803 | 80.00% | XXXXXXXXXXX | 299987 | Credit | Warranty Deed / Quit Claim Deed | The Warranty/ Grant Deed is missing from the loan file. | 3/7/2025: Document provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXXX | 20250711 | DE | Purchase | Second Home | Single Family Detached | 32.44 |  | 792 | 80.00% | XXXXXXXXXXX | 300319 | Credit | Doc Type | The Final Amortization Schedule is missing from the loan file. | 3/20/2025: Document provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXXX | 20250711 | DE | Purchase | Second Home | Single Family Detached | 32.44 |  | 792 | 80.00% | XXXXXXXXXXX | 300320 | Compliance | Other | Per Diem Interest for XXXX days was added on Revised CD XXXX in section C, no Change of Circumstance was provided. A reimbursement of $XXXX was provided, but is not enough to cover the tolerance of $XXXX | The Per Diem Interest added on the Final CD XXXX was a fee paid to the seller/builder, no refund required. |  | Cleared Exception A | 1 |
| XXXXXXXXXXX | 20250711 | DE | Purchase | Second Home | Single Family Detached | 32.44 |  | 792 | 80.00% | XXXXXXXXXXX | 300376 | Compliance | Other | This loan failed the charges that cannot increase test. The Initial LE reflects the Transfer Taxes as XXXX, A change of circumstance was included for XXXX, where the increase incurred , but the Revised LE XXXX was not in the file. | 3/26/2025: Document provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXXX | 20250712 | KY | Refi - Cash Out | Owner Occupied | Single Family Detached | 47.34 |  | 679 | 50.00% | XXXXXXXXXXX | 299878 | Compliance | Other | This loan failed the charges that in total cannot increase more than XXXX% test. The initial LE reflects the charges that cannot increase by XXXX% as $XXXX, however the final CD reflects the charges that cannot increase by XXXX% as $XXXX, an increase of $XXXX. A change of circumstance for the Title Examination Fee, Doc Handling Fee, Signing Agent Fee, Endorsement Fee is missing from the file; otherwise a refund of $XXXX, is required to reduce the fee under the XXXX% tolerance. | Invalid exception as the title fees were shopped for by the borrower. |  | Cleared Exception A | 1 |
| XXXXXXXXXXX | 20250713 | CA | Purchase | Non-Owner Occupied | Two-Unit Property | 21.47 |  | 783 | 80.00% | XXXXXXXXXXX | 299947 | Credit | Warranty Deed / Quit Claim Deed | The Warranty/ Grant Deed is missing from the loan file. | 03/06/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXXX | 20250713 | CA | Purchase | Non-Owner Occupied | Two-Unit Property | 21.47 |  | 783 | 80.00% | XXXXXXXXXXX | 299948 | Credit | Asset Verification | According to the underwriting guidelines, the minimum reserves allowed is XXXX months. In this case, there are XXXX reserves, which are not sufficient reserves to meet the requirements. | 03/06/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXXX | 20250713 | CA | Purchase | Non-Owner Occupied | Two-Unit Property | 21.47 |  | 783 | 80.00% | XXXXXXXXXXX | 299949 | Credit | Eligibilty | According to the underwriting guidelines, an internet search of the business is required to support the business narrative. In this case, the documentation is missing from the loan file. | 03/06/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXXX | 20250713 | CA | Purchase | Non-Owner Occupied | Two-Unit Property | 21.47 |  | 783 | 80.00% | XXXXXXXXXXX | 299950 | Credit | Employment-Self Employment | According to the underwriting guidelines, validation of a minimum of XXXX years existence of the business is required. Less than XXXX years XXXXt history can be considered with documentation of a minimum of XXXX years employment history in the same line of work or a related profession. In this case, the borrower has owned his business for one year, however documentation to support a minimum of two years employment is the same line of work is missing from the loan file. | 03/06/25: Documentation provided to cure. |  | Cleared Exception A | 1 |
| XXXXXXXXXXX | 20250714 | FL | Purchase | Owner Occupied | Condo Attached | 49.06 |  | 688 | 80.00% | XXXXXXXXXXX | 299862 | Credit | Condo/PUD | Seller did not provide evidence to support that a project review was completed and there is no certification of warrantability or non-warrantability in file as required by the guidelines. | 3/3: 1008 needs to specifically indicate warrantable or non-warrantable.<br> 03/06/25: Documentation provided to cure. Warrantable condo. |  | Cleared Exception A | 1 |
| XXXXXXXXXXX | 20250715 | CA | Purchase | Owner Occupied | PUD | 49.57 |  | 788 | 58.90% | XXXXXXXXXXX | 299714 | Credit | Warranty Deed / Quit Claim Deed | The Warranty/ Grant Deed is missing from the loan file. | 02/21/25: Documentation provided to cure. |  | Cleared Exception D B | 1 |
| XXXXXXXXXXX | 20250715 | CA | Purchase | Owner Occupied | PUD | 49.57 |  | 788 | 58.90% | XXXXXXXXXXX | 299726 | Credit | Income - Self Employment | The tax preparer must state that based on the review of the working papers they certify that the P&L represents an accurate summary of the business cash flow and applicable cash expenses. | Post closing cert provided to cure. |  | Cleared Exception D B | 2 |
| XXXXXXXXXXX | 20250715 | CA | Purchase | Owner Occupied | PUD | 49.57 |  | 788 | 58.90% | XXXXXXXXXXX | 299727 | Credit | Program Eligibilty | Per guidelines tax preparer letters prepared by PTINs are ineligible. | 02/21/25: Documentation provided to cure. |  | Cleared Exception D B | 1 |
| **36** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |
| XXXXXXXXXXX | 20250615 | NY | Purchase | Owner Occupied | Condo Attached | 21.52 |  | 776 | 80.00% | XXXXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXXXX | 20250617 | FL | Refi - Cash Out | Owner Occupied | PUD | 48.01 |  | 731 | 42.16% | XXXXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXXXX | 20250627 | TN | Purchase | Non-Owner Occupied | Two-Unit Property | 22.92 |  | 808 | 80.00% | XXXXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXXXX | 20250631 | TN | Purchase | Non-Owner Occupied | Two-Unit Property | 23 |  | 808 | 80.00% | XXXXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXXXX | 20250633 | GA | Purchase | Non-Owner Occupied | Single Family Detached | 0 | 1.3807 | 705 | 55.36% | XXXXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXXXX | 20250636 | FL | Refi - Cash Out | Non-Owner Occupied | Condo Attached | 0 | 1.8815 | 759 | 28.57% | XXXXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXXXX | 20250638 | AZ | Purchase | Non-Owner Occupied | PUD | 0 | 1.2882 | 761 | 43.48% | XXXXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXXXX | 20250641 | NJ | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.0615 | 668 | 70.00% | XXXXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXXXX | 20250613 | FL | Rate Term Refi | Non-Owner Occupied | Single Family Detached | 0 | 1.1594 | 710 | 74.00% | XXXXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXXXX | 20250651 | SC | Refi - Cash Out | Non-Owner Occupied | Single Family Detached | 0 | 1.0524 | 772 | 64.93% | XXXXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXXXX | 20250655 | CA | Purchase | Non-Owner Occupied | Two-Unit Property | 0 | 1.1675 | 730 | 65.00% | XXXXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXXXX | 20250656 | AZ | Purchase | Non-Owner Occupied | PUD | 0 | 1.0693 | 801 | 75.00% | XXXXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXXXX | 20250659 | TX | Purchase | Owner Occupied | Single Family Detached | 17.51 |  | 797 | 73.80% | XXXXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXXXX | 20250661 | CA | Purchase | Owner Occupied | Single Family Detached | 19.38 |  | 700 | 80.00% | XXXXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXXXX | 20250664 | LA | Purchase | Non-Owner Occupied | PUD | 0 | 1.0674 | 724 | 75.00% | XXXXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXXXX | 20250614 | NY | Refi - Cash Out | Non-Owner Occupied | Two-Unit Property | 0 | 1.4677 | 767 | 56.15% | XXXXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXXXX | 20250686 | UT | Refi - Cash Out | Owner Occupied | Single Family Detached | 44.56 | 0 | 805 | 80.00% | XXXXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXXXX | 20250697 | CO | Purchase | Second Home | Condo Attached | 44.34 |  | 754 | 80.00% | XXXXXXXXXXX |  |  |  |  |  |  | A |  |
| XXXXXXXXXXX | 20250698 | IL | Refi - Cash Out | Owner Occupied | Single Family Detached | 33.3 |  | 705 | 80.00% | XXXXXXXXXXX |  |  |  |  |  |  | A |  |
| **19** |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |

---

## Exhibit 99.39

[GCAT DEPOSITOR VI LLC ABS-15G](gcatnqm-abs15g.htm)

**Exhibit 99.39**

---

| | | |
|:---|:---|:---|
| **Rating Agency Grades: 6/3/2025** | **Rating Agency Grades: 6/3/2025** | **Rating Agency Grades: 6/3/2025** |
| **Loan Information** | **Loan Information** | **Loan Information** |
| **Loan Number** | **Alternate Loan ID** | **Note Original Balance** |
| XXXXXXXXX | 20250615 | XXXXXXXXX A |
| XXXXXXXXX | 20250616 | XXXXXXXXX C A |
| XXXXXXXXX | 20250617 | XXXXXXXXX A |
| XXXXXXXXX | 20250619 | XXXXXXXXX C A |
| XXXXXXXXX | 20250620 | XXXXXXXXX C A |
| XXXXXXXXX | 20250625 | XXXXXXXXX C A |
| XXXXXXXXX | 20250627 | XXXXXXXXX A |
| XXXXXXXXX | 20250628 | XXXXXXXXX D A |
| XXXXXXXXX | 20250629 | XXXXXXXXX D A |
| XXXXXXXXX | 20250630 | XXXXXXXXX D A |
| XXXXXXXXX | 20250631 | XXXXXXXXX A |
| XXXXXXXXX | 20250633 | XXXXXXXXX A |
| XXXXXXXXX | 20250635 | XXXXXXXXX C A |
| XXXXXXXXX | 20250636 | XXXXXXXXX A |
| XXXXXXXXX | 20250638 | XXXXXXXXX A |
| XXXXXXXXX | 20250639 | XXXXXXXXX C A B |
| XXXXXXXXX | 20250640 | XXXXXXXXX D A |
| XXXXXXXXX | 20250641 | XXXXXXXXX A |
| XXXXXXXXX | 20250648 | XXXXXXXXX D A B |
| XXXXXXXXX | 20250613 | XXXXXXXXX A |
| XXXXXXXXX | 20250651 | XXXXXXXXX A |
| XXXXXXXXX | 20250653 | XXXXXXXXX D A C B |
| XXXXXXXXX | 20250655 | XXXXXXXXX A |
| XXXXXXXXX | 20250656 | XXXXXXXXX A |
| XXXXXXXXX | 20250657 | XXXXXXXXX C A D |
| XXXXXXXXX | 20250658 | XXXXXXXXX C A |
| XXXXXXXXX | 20250659 | XXXXXXXXX A |
| XXXXXXXXX | 20250661 | XXXXXXXXX A |
| XXXXXXXXX | 20250662 | XXXXXXXXX C A |
| XXXXXXXXX | 20250663 | XXXXXXXXX C A |
| XXXXXXXXX | 20250664 | XXXXXXXXX A |
| XXXXXXXXX | 20250665 | XXXXXXXXX D A |
| XXXXXXXXX | 20250669 | XXXXXXXXX D A |
| XXXXXXXXX | 20250670 | XXXXXXXXX C A B |
| XXXXXXXXX | 20250672 | XXXXXXXXX D A |
| XXXXXXXXX | 20250673 | XXXXXXXXX C A |
| XXXXXXXXX | 20250679 | XXXXXXXXX D A B |
| XXXXXXXXX | 20250614 | XXXXXXXXX A |
| XXXXXXXXX | 20250684 | XXXXXXXXX C A D |
| XXXXXXXXX | 20250686 | XXXXXXXXX A |
| XXXXXXXXX | 20250687 | XXXXXXXXX C A |
| XXXXXXXXX | 20250692 | XXXXXXXXX D A |
| XXXXXXXXX | 20250696 | XXXXXXXXX C A |
| XXXXXXXXX | 20250697 | XXXXXXXXX A |
| XXXXXXXXX | 20250698 | XXXXXXXXX A |
| XXXXXXXXX | 20250699 | XXXXXXXXX C A |
| XXXXXXXXX | 20250703 | XXXXXXXXX C A |
| XXXXXXXXX | 20250704 | XXXXXXXXX C A |
| XXXXXXXXX | 20250705 | XXXXXXXXX D A |
| XXXXXXXXX | 20250707 | XXXXXXXXX C A |
| XXXXXXXXX | 20250711 | XXXXXXXXX C A |
| XXXXXXXXX | 20250712 | XXXXXXXXX A C |
| XXXXXXXXX | 20250713 | XXXXXXXXX C A |
| XXXXXXXXX | 20250714 | XXXXXXXXX C A |
| XXXXXXXXX | 20250715 | XXXXXXXXX D A B |

---

## Exhibit 99.40

[GCAT DEPOSITOR VI LLC ABS-15G](gcatnqm-abs15g.htm)

**Exhibit 99.40**

---

| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|:---|
| **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** | **ValuationReport** |
| | | | | | | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **Origination Values** | **AVM Values** | **AVM Values** | **AVM Values** | **AVM Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **BPO Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Desk Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Field Review Values** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score** | **Collateral Underwriter Risk Score** |
| **Loan Number** | **Alt Loan Number** | **Origination Date** | **Original Loan Amount** | **LTV** | **Value Used For LTV** | **Sale Price** | **Appraised Value** | **Appraisal Date** | **Second Appraisal Value** | **Second Appraisal Type** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **Value** | **Variance Amount** | **Variance (%)** | **Company** | **Appraisal Date** | **CU Score** | **Company** | **CU Date** |
| XXXXXXXXXXX | 20250615 | XX/XX/XXXX | XXXXXXXXXXX | 80.00% | Appraised Value | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  |  |  |
| XXXXXXXXXXX | 20250616 | XX/XX/XXXX | XXXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 20250617 | XX/XX/XXXX | XXXXXXXXXXX | 42.16% | Appraised Value | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 20250619 | XX/XX/XXXX | XXXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 20250620 | XX/XX/XXXX | XXXXXXXXXXX | 39.17% | Appraised Value | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 20250625 | XX/XX/XXXX | XXXXXXXXXXX | 76.00% | Appraised Value | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 20250627 | XX/XX/XXXX | XXXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 20250628 | XX/XX/XXXX | XXXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 20250629 | XX/XX/XXXX | XXXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 20250630 | XX/XX/XXXX | XXXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 20250631 | XX/XX/XXXX | XXXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 20250633 | XX/XX/XXXX | XXXXXXXXXXX | 55.36% | Sale Price | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 20250635 | XX/XX/XXXX | XXXXXXXXXXX | 79.41% | Appraised Value | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 3.2 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 20250636 | XX/XX/XXXX | XXXXXXXXXXX | 28.57% | Appraised Value | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 20250638 | XX/XX/XXXX | XXXXXXXXXXX | 43.48% | Sale Price | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 20250639 | XX/XX/XXXX | XXXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 20250640 | XX/XX/XXXX | XXXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 20250641 | XX/XX/XXXX | XXXXXXXXXXX | 70.00% | Appraised Value | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.3 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 20250648 | XX/XX/XXXX | XXXXXXXXXXX | 69.70% | Appraised Value | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 20250613 | XX/XX/XXXX | XXXXXXXXXXX | 74.00% | Appraised Value | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 20250651 | XX/XX/XXXX | XXXXXXXXXXX | 64.93% | Appraised Value | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 3.7 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 20250653 | XX/XX/XXXX | XXXXXXXXXXX | 19.53% | Appraised Value | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 20250655 | XX/XX/XXXX | XXXXXXXXXXX | 65.00% | Appraised Value | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 20250656 | XX/XX/XXXX | XXXXXXXXXXX | 75.00% | Sale Price | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 20250657 | XX/XX/XXXX | XXXXXXXXXXX | 74.03% | Appraised Value | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 4.8 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 20250658 | XX/XX/XXXX | XXXXXXXXXXX | 60.00% | Sale Price | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 20250659 | XX/XX/XXXX | XXXXXXXXXXX | 73.80% | Sale Price | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 20250661 | XX/XX/XXXX | XXXXXXXXXXX | 80.00% | Appraised Value | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX | XXXXXXXXXXX | Full Appraisal | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 3.2 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 20250662 | XX/XX/XXXX | XXXXXXXXXXX | 43.01% | Appraised Value | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 20250663 | XX/XX/XXXX | XXXXXXXXXXX | 70.00% | Appraised Value | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 20250664 | XX/XX/XXXX | XXXXXXXXXXX | 75.00% | Sale Price | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 20250665 | XX/XX/XXXX | XXXXXXXXXXX | 49.02% | Appraised Value | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 20250669 | XX/XX/XXXX | XXXXXXXXXXX | 80.00% | Appraised Value | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 20250670 | XX/XX/XXXX | XXXXXXXXXXX | 71.00% | Sale Price | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 20250672 | XX/XX/XXXX | XXXXXXXXXXX | 80.00% | Appraised Value | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.8 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 20250673 | XX/XX/XXXX | XXXXXXXXXXX | 67.55% | Sale Price | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 20250679 | XX/XX/XXXX | XXXXXXXXXXX | 77.42% | Sale Price | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 20250614 | XX/XX/XXXX | XXXXXXXXXXX | 56.15% | Appraised Value | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 20250684 | XX/XX/XXXX | XXXXXXXXXXX | 75.00% | Appraised Value | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | Stewart | XX/XX/XXXX |  |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 20250686 | XX/XX/XXXX | XXXXXXXXXXX | 80.00% | Appraised Value | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.3 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 20250687 | XX/XX/XXXX | XXXXXXXXXXX | 75.00% | Appraised Value | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 2.6 | Freddie Mac | XX/XX/XXXX |
| XXXXXXXXXXX | 20250692 | XX/XX/XXXX | XXXXXXXXXXX | 80.00% | Appraised Value | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXX | XXXXXXXXXXX | XXXXXXXXXXX | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 20250696 | XX/XX/XXXX | XXXXXXXXXXX | 72.00% | Appraised Value | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 20250697 | XX/XX/XXXX | XXXXXXXXXXX | 80.00% | Appraised Value | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.4 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 20250698 | XX/XX/XXXX | XXXXXXXXXXX | 80.00% | Appraised Value | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 2.1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 20250699 | XX/XX/XXXX | XXXXXXXXXXX | 70.00% | Sale Price | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1.6 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 20250703 | XX/XX/XXXX | XXXXXXXXXXX | 54.99% | Appraised Value | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 20250704 | XX/XX/XXXX | XXXXXXXXXXX | 75.00% | Appraised Value | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  |  |  |
| XXXXXXXXXXX | 20250705 | XX/XX/XXXX | XXXXXXXXXXX | 33.46% | Appraised Value | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 20250707 | XX/XX/XXXX | XXXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 4.6 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 20250711 | XX/XX/XXXX | XXXXXXXXXXX | 80.00% | Sale Price | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 1.1 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 20250712 | XX/XX/XXXX | XXXXXXXXXXX | 50.00% | Appraised Value | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXX | 0.00 | 0.00% | Stewart | XX/XX/XXXX |  |  |  |  |  | 3.9 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 20250713 | XX/XX/XXXX | XXXXXXXXXXX | 80.00% | Appraised Value | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  |  | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 20250714 | XX/XX/XXXX | XXXXXXXXXXX | 80.00% | Appraised Value | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  | XXXXXXXXXXX | 0.00 | 0.00% | ClearCapital | XX/XX/XXXX |  |  |  |  |  | 3.4 | Fannie Mae | XX/XX/XXXX |
| XXXXXXXXXXX | 20250715 | XX/XX/XXXX | XXXXXXXXXXX | 58.90% | Appraised Value | XXXXXXXXXXX | XXXXXXXXXXX | XX/XX/XXXX |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  |  | 1 | Fannie Mae | XX/XX/XXXX |

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